Miami Hope center?????
I have United Healthcare Choice and they covered my visit with the Cardiologist and all the tests she did. (Treadmill, EKG and Echocardiogram). I didn't have to have a pulmonologist visit since I have never smoked and don't have sleep apnea. I didn't need a referral but then, my policy may be different from yours. A referral can be as simple as a note on a prescription pad. Good luck. luvitsunnyv