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Most insurers will only pay for in-network primary care doctors and specialists. You got to jump through their hoops and have your in-network primary care doctor refer you to the in-network specialist (if a ophthalmologist is involved). Call the insurance co (Blue Shield) and ask. They cannot sell insurance that no one will accept in your local area.
I had a similar problem with a branded drug that was a time release capsule that worked a lot better for tachycardia (beta blocker). The branded cap was $220 a month and the generic that was not time release was $12 a month -- in the end I take 2 to 3 of the generic a day (low dose) -- not as good but it works OK. So, is there a generic equivalent that the insurer will pay for?
Did you try any of this?
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