I have a doctor friend. Although he is very good and I trust him, he’s not included on my insurance company’s list of Primary Care Physicians. When I call his office, I’m told they don’t deal with my insurance company (Horizon Blue Cross Blue Shield) either. So I’ve asked friends for suggestions. Every doctor anyone suggests is not on my policy’s list of Primary Care Physicians. I haven’t had a general check up in a decade. I could go to my Doc and pay out of pocket for everything including the blood work, etc. (expensive), but then I ask, why am I paying Horizon Blue Cross Blue Shield almost one thousand dollars a month?