My insurance works that way. I need a GP to give a referral, almost like a prescription to see a specialist.
If I followed your advice, I'd be $10,000 out of pocket for my recent tests one day. Because I am following MY insurance's rules, I'm out of pocket about $700.
His insurance may not work like mine -- he must find out -- it may!
As always, advice is given by own's experience.
Being slammed for sharing my experience was unexpected and not appreciated.
Blaming me for why insurance is high? You must want to attack somebody today in a safe way, so you chose me, online. Shame.