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This is EXACTLY how my HMO, Krappie Permanently, works! Whenever my wife or I get *really* sick, we just about always end having to go to some outside physician to get help. Last year, my wife had pneumonia and was practically at death's door ringing for service. HMO doc said "you've got a little cold, just go home". I took her to a "Doc in the Box" who checked her, including a chest X-ray, and said "you've got double pneumonia." He prescribed strong antibiotics and respiratory therapy, and she was okay in a few days. Probably saved her life. HMO is totally useless. Won't even give you a simple antibiotic, much less anything else. But they sure take those monthly payments.
First things first.... Before thus shall even began the progress of the Hemorrhoid Removal procedure, one must first of all have to dig through the thick brush of filthy dingleberries....
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Groovie, way hip - man....
Unfortunately this is how 90% of the medical/insurance business is transacted in this country. This is why I won't go near a medical person for anything other than life threatening issues, which thankfully I have avoided in my first 50 years. And I have full medical coverage.
