@gardenglory
Pam, Dh has Medicare & I got him Florida Blue supplement. He can go where he wants. Never has to get pre-approval. I know about your situation. Don't know what to tell you when it comes your time.
We have 3 doctors in this town who will ONLY take patients who have Blue Cross/Blue Shield. They will not take any other insurance of any kind & they refuse to take you if you pay cash. They are strictly in it for the money. I don't want a doc whose only thought is $$$$$$.