I am not sure I understand your question and much of it depends on the plan details. I opt for an enhanced or open choice ppo. That allows for me to see a specialist directly without referral.
If however you rarely need a specialist and yoru family doc is cool with the followups etc you need then a cheaper plan might suffice.
Seeing as these are illegal and not prescribed to you by your doctor, you can and will be denied.. Doctors can refuse you treatment if anything went wrong..
I agree 100%. Not to be an ass but if people would read the damn stickies around here they would see that B5150 wrote one on "safe cycling your health is in your hand" and there if I remember correctly lists a couple of websites that you can set up anonymous blood tests. Anywhere from 60-90 dollars a test. So lets do the math folks 3 blood tests a year at most 90 dollars a test and completely safe bloodwork that has the results e-mailed and/or mailed to you costs 270 a year risk free with results in your hands 48-72 hours later... I like www.directlabs.com awesome customer service seriously with a million different tests to choose from. Oh yeah they also give you like 10 different places to have it done at in your area whatever one is your choice. All of them were within 10 minutes of where I live.
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