Absolutely a worthless conversation. NEVER get an...

Absolutely a worthless conversation. NEVER get an HMO policy. Buy life insurance for your family survivors. I need to establish a primary specialist to be referred to a specialist before I can make an appointment to see the specialist that preformed the surgery 2 years ago, whom needs to reevaluate the post surgery condition of my vision. Who better to evaluate my vision but me. Loosing vision in one eye could go legally blind in that eye. Really who is the dumb ass in this situation. Yep the tax payer. The insurance company is just sitting back and laughing out loud as the high premiums roll in and the high deductibles continues to lower their risk and fatten their bank accounts.