I was a customer of Blue Cross/Blue Shield for about 10 years, and NEVER had an issue with ANYTHING regarding my medical insurance or a doctor accepting my medical insurance. I changed careers about six years ago, and ever since (I work for a national bank), my only choice for health insurance has been Aetna or United Health Care. I've also found that the two merged back in 1996, so there's no difference in the two. Since signing on with Aetna, I've had absolutely NOTHING but trouble. My doctor (pain management) won't join their network because, according to my doctor, Aetna's pay schedule to doctors is hardly enough to even cover their COSTS, much less a PROFIT. And let's face it, being a doctor is a business too, and they roll out of bed to make money, just like everyone else. Assuming this was just one doctor's opinion, I also contacted my children's eye doctor. Guess what? I was told the exact same thing! Please, please, please...if you have a choice at ALL, do NOT use Aetna or United Health Care for your insurance. You will be sorely disappointed. Pay more for a better policy with BCBS. It'll be worth it. I'm willing to pay TWICE what I'm currently paying, but my company won't budge on adding an option for us.