[cacophony]

^ even an obgyn? i never understand when coverage considers obgyn a "specialist." for women, it's pretty much the same thing as a general practitioner. dermatologist is optional, gastroenterologist is only necessary when problems arise. but obgyn is annual routine maintenance.

i've been lucky because my last two plans allowed me to pick my obgyn without a referral from my primary care physician. previous plans i'd been on considered them specialists and i had to get a referral. which is just silly.