Hi, so I'm a new grad and I just started my employment. The hospital is offering Cigna medical insurance, but I am not sure what plan to go with. There's a LocalPlus EPO plan, which basically I'd have to see in-network doctors and the deductible is $500, or there's a PPO plan where it's a $1000 deductible. The plans are almost identical. I don't have any prominent health issues. I currently do not have a PCP, and I would just like to make sure I have access to a good dermatologist and gynecologist. Any recommendations on which plan would benefit me best? Thanks!