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I felt the exact same way going through this. An Endo would love for me to walk in there with the proper MRI! I understand your model completely & am torn between paying out of pocket vs. the damn insurance. I would pay out of network in a heartbeat, but going through purchasing a home right now... I just can't live with paying 100%. my search for an endo appt before July 11 continues. I'll keep your staff posted.