I am so regret that I enrolled with Kaiser HMO, and suprise how many negative reviews I have found online. Kaiser HMO is about $20 bucks cheaper then Aetna HMO, but there's a lot of hassels, you need to get a referral everytime to see a doctor. Now I regret it, and if you're undecide it, DON'T GET KAISER! I will switch back ASAP.