I have to go to two different doctor one in winter haven and one in Orlando because I am high risk I have kidney problems and cant get Orlando like that because I don't drive in that area that's why I was wondering
I wouldn't go to a doctor that doesn't take your insurance no matter what you will have to pay out of pocket for the visit an whatever else that have to do.
If they don't accept your insurance, don't go to them if at all possible. The referral won't mean anything unless it's too a specialist.
U shouldn't need a referral if unless u have tricare I dont think.. and also u can always call and ask