Well said, Dotti.
The PA-Cs and ARNPs that I've encountered are outstanding and freely consult with the MDs when it is appropriate. I don't expect any provider (even the MDs) to know everything about everything.
I find that the coverage issues I bounce against (for myself as well as for my aged parents) are driven by "mindless, faceless" idiots at insurance companies. My favorite one so far was Express Scripts trying to insist my folks use a mail order pharmacy even tho they are in a nursing home which insists on using their own pharmacy.
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