This "insurance" is a joke. Can you go visit a doc...

This "insurance" is a joke. Can you go visit a doctor yes. However that doctor get any say in your medical treatment... Any tests they need to do have to be pre authorized by MDWise "doctors" that have never seen you as the patient. In my case an orthopedic surgeon requested an MRI with a contrast on my shoulder to find the tear in my rotator cuff. That request was denied. Mdwise instead in their infinite wisdom of orthopedic medicine decided that physical therapy for 6 weeks was necessary before they will approve the MRI. This "insurance service" is a worthless as the paper they print the card on. The customer service is as equally worthless as the health coverage itself. Plan to spend a couple hours on the phone to accomplish nothing but learn just how impossible they are willing to make it to get the care you need.