As NYC Retirees, we are in the midst of losing our Healthcare benefits that were promised to every NYC worker when we retired. Long story short, many of our Union leaders have sold us out, and the City is trying to force us into Aetna Advantage, which is noted for doing exactly what you just said, Debbie. Aetna Advantage is trying to tell us most of our doctors take their plan (most of our doctors don't), and the list goes on and on. Jim and I have doctors and specialists in NYC, N.J., and Florida, where we can make appointments, go for tests, etc.