Our insurance allow us to visit any doctor, any time. Some specialists might require a referral, however.
Who knows what'll happen whey my wife retires in November?
Will depend on if she gets to keep the current insurance in place as her retirement insurance.
When I was at Talbot's, I had fabulous insurance. When I left, I was able to get COBRA with the exact same terms for 18 months.
I got Golden Rule (it's called something else now) after my divorce until I went to work for Talbot's. As much as I was paying for that crap, I found out the hard way, what a bad policy it was when I had to have a partial hysterectomy. AFTER the surgery! It only covered 50% AFTER my deductible, and I spent 4.5 days in the hospital.

I was really lucky that my Gyn happened to file first, and that he gave me professional courtesy even though I was divorced. His bill covered my deductible, so I only (only

) had to pay half of the hospital and anaethesia bills, which was bad enough. I learned to be very careful to read ALL the small print on insurance policies after that.