UNICARE?
I have Unicare HMO. It took 2 days for approval. It took 2 weeks for my PCP to tell me that though..lol. I have not one bit of trouble from them. My PCP gave me a referral for a surgeon, the only one that they use is Joseph Vitello. I saw him, he sent request in, and viola I was approved. Now for some reason, some people have quite a time with BCBS. And others have no trouble at all. I think with an HMO especially, that it depends a great deal on which group does your providing. I am an Advocate patient so they are the ones that approve me and they in turn get thir money from Unicare. So if you have an independent, you woulod deal directly with Unicare, and so it goes. If you have an HMO you may not have much choice in who your doc is. Hope this helps.
Marcia
ps email me if you want to.