My wife and have the Blue Cross PPO plan (there are many variations). With my hospital/doctor/lab bills coming to over $100,000., I paid $3,000. 'out of pocket', as the insurance company terms it.
I have a $500. deductable. After that has been met, BC pays 90% of all expenses until I've paid (or owed, as the case may be) $2,500. 'out-of-pocket'. Once the $2,500. figure has been met (doesn't take long) Blue Cross pays expenses (except prescribed drugs, not including drugs administered at the hospital) at 100% for the remainer of the calendar year (ending at one second before midnight, January 1, 2007).
This medical coverage, which fortunately included my neurosurgeon as well as all the major hospitals I might ever use in my general area, costs us about $2,200. per year. I used to resent that expense - but no more. The thought of a $100,000. hospital/doctor obligation is daunting, to say the least. I still owe a few hundred to the hospital but should have all my AN surgery-related bills paid off by next spring, at the latest. Works for me.
On this basis, I can recommend Blue Cross and would say you've made a good choice.