General Ins Question not just cpap related

[cpapsue]

We are changing our insurance coverage. The two choices for us seem to be Horizon Blue Cross Direct Access or Horizon Blue Cross PPO.

Does anyone have experience with those two products? Is one more 'user friendly' than the other? We hope to choose the one with the best options and can't tell from the info we have which one would offer the easiest to use coverage.

Direct Access is less expensive and if it is pretty much equal to the PPO, paying less would be nice. They look similar. Thanks.