We have Anthem BCBS of Ohio PPO for our insurance through my husbands employer. It is a great policy -- covers CGMS, pump stuff, no problems with anything (and we've had a lot of medical bills). We pay for it though with premiums and we will REALLY pay for it next year. Our premiums are staying pretty much the same, but the coverage is going to hurt. Actually, the coverage is the same, it's the deductible and OOP maximums that are changing. I hear this is VERY common across the board. Currently we have: $400 individual/$800 family deductible. We pay 20% after that until the $1500 individual/$3000 family out of pocket maximum for the year. New 2014 coverage is $1000 individual/$2000 family deductible. We pay 20% after that until the $3000 individual/$6000 family out of pocket maximum. OUCH. That's a huge change in the pocket book from last year. Plus we have Express Scripts that will no longer cover Novolog. I am super thankful to have insurance in the first place, I know many others do not. I am wondering who else is affected by crazy changes in their policies. And, BTW, this is the very best option the company offers. The other deductibles are between $2500 - $5000 per person, more for a family. It's not the company that is suddenly being stingy with benefits -- it's Anthem raising the rates so much that this is all the company could afford. Things are getting pretty crazy out there.