I have had quite the opposite experience. Need to see a specialist in Boston for a little known condition. Went to Villages Health Care office in Lake Sumter, a customer service person did all the paperwork right there and then on computer, received letter of approval two days later from United Health Care.
Needed a referral to out of network doctor at U of F Shands, same thing, had the approval letter the very next day!
Of course there was a wait time of about a month for each specialist. The best part, co pay $15 each!
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