Oh that medical group BS!  I had such a horrible time with that
because my GP was in one medical group and my RD was in another and
they wanted them in only 1 group.  What a nightmare, I appealed won
then they lost the medical directors decision so I had  go through the
same BS and  resubmit a copy of the decision.  Gives me a hot flash
just thinking about it.  Then they would give me 1 referral  visit at
a time.  All the specialist visits required referrals from my GP. In
addition I  had to get 3 approvals,  one approval for the RD one for
the Remicade and one approval for the infusion services.  As soon as I
finished with one RD visit I had to start working on the next one.
Every time they would deny it,  or question it, and I would resubmit
the medical directors decision.  It is easier if they are in one
medical group  and they can give more than 1 referral visit at a time
so if you have to go with the HMO plan chose wisely.  One office would
tell me one story and the other office didn't have any record of it. A
nightmare. My Dr did say it was better after that year, I guess they
out sourced a bunch of stuff which is why I had to work with different
offices that didn't have a clue what the other office was doing.  So
hopefully they are better...  I can't imagine how they could have
gotten worse.  It makes my head ache just thinking about that year.  I
finally told them "you win I am leaving" then they gave me 2 referrals
which took me to the end of my insurance year and I switched back to
BCBS. I would get an adrenaline flash whenever I would see one of
their letters in my mailbox.  Uh oh.... what now.

Will your insurance plan be the HMO or the Preferred Provider type.
PPO might not be too bad.

Visit my website:
http://www.mzuschlag.com