> In the past year I have seen both a dermatologist and an orthopedist for the first time. I never had to wait more than a week. Appointment times vary by type

> In the past year I have seen both a dermatologist and an orthopedist for the first time. I never had to wait more than a week. Appointment times vary by type of specialist, location and luck. I've never got any specialist's appointment before a month here in New York. > Mine have always gone to the local pharmacy of my choice. Same for my wife. I tried sending the prescription to local CVS pharmacy. CVS said that my insurance only approved medication for 1 month, while my prescription was for 3 months. Moreover, they were charging me 4x copay than the mail-order pharmacy that works with my insurance company. I guess this is another tactic of my insurance company to maximize their profit by forcing us to buy medication from their partner pharmacy. > I rarely get bills after the fact, but they always itemize and explain the charges. I also get statements showing what my insurance company paid. My Insurance company's partner pharmacy keeps charging me random amounts for same mediation. I've been getting few medications for $37 each since past 6 months, but now they suddenly starting charging me $185 each for the same medications without any explanation. I could buy the same medications in India for less than $10 each.