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Re: [IP] Insurance POS vs. Indemnity

Your primary car physician makes all the difference in the world.  I have a
great one with an HMO.  She has never hestitated to make a referral for me,
has written letters to my HMO for medicines not covered under the plan and
gotten them for me, and has never refused to send me anywhere I have asked
to go.  She even got me referred to a physician I wanted to see not in my
plan by filing a pre-approval and getting them to OK it.  How well
everything goes depends almost entirely on how willing your PCP is to go to
bat for you.  When I wanted a pump, she filled out all the paperwork for it,
and I had the approval in less than a week for it.
> where I need a primary physician to send me to a
> specialist every time I go.  Then everything turns out to be real cheap.
> > However, with this one, does anyone know if it will be difficult to get
> > referred to the specialists I have been using?

Judi in MI
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