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Okay, checked with some well recommended Orthopods who do partial knee replacements and figured out which insurance (available to us) they take so we've signed her up for one that is very good but also not too expensive. It'll take effect Sept 1 and she'll have to get a referral first before seeing the Ortho surgeon.
Yes I did too re my shoulder, and my primary care doc wouldn't see me any earlier than Sept 21 and wouldn't refer me without seeing me. So the remedy was to go to urgent care where I received an immediate referral.