A little more about primary care providers and insurance. In general, if you're employed by a business or organization, your employer will offer an insurance policy, which you opt into, and you can then choose any primary care provider who accepts that insurance. Like many people, I see a physician's associate or nurse practitioner for my primary care. I go in once a year for a check-up, which focuses on blood tests and preventative care, and I can make appointments as needed for specific illnesses and injuries. When I had shingles and needed to see someone the same day, I saw a different PCP in the same practice. Either my PCP or another doctor or nurse practitioner in the practice can prescribe for me. I see specialists much less often, usually on referral by my PCP.
I'm very happy with the quality of my medical care, but some vulnerability is introduced by the employer-provided medical insurance. My employer just changed my insurance on July 1. This happens about once every 8-10 years, and because not all health care providers accept all insurance policies, it sometimes forces patients to change doctors. Fortunately, I didn't have to change my PCP this time. I did have to change pharmacies, because the one I had been using does not accept my new insurance.
The multitude of insurance policies, all with slightly different rules, often creates confusion. For example, my PCP referred me to a dermatologist that she thought accepted my insurance. In fact, she made a mistake--he was affiliated with a hospital that accepted my insurance, but he didn't accept the same insurance in his private practice. My care ended up being more expensive than it otherwise would have been. Unfortunately, I found this out only after the first appointment (a biopsy), and I liked the dermatologist enough that I decided to stick with him for the treatment. I was very conscious of the expense, though.
I'm just offering these as two examples of why even financially secure, well-insured Americans sometimes seem stressed out about paying for health care!