I too find their MO for medical care confusing. I recently had a very good office visit with a physician who recommended an MRI. Because my NOB insurance didn’t cover it, I was told I had to take care of it my own. Very confusing and time consuming process for me, a non professional. After waiting for several weeks for the doctor to review the test, I was told he hadn’t had time to study it yet but to go get a colonoscopy. And yes, I’d have to do that on my own too. No idea how or with whom to schedule something like that. Needless to say, I’ve gone to a different doctor and won’t be going back to I just don’t u derstand what kind of medical service they’re providing.