Reading through posts it sounds like many people have a sort of team or complimentary suite of doctors.

I just moved for a new job and am going to be enrolling in a (crappy) HMO. The only alternative is a very high deductible PPO with where you pay 20% of everything and have to deal with receipts, reimbursements and all sorts of crap for every doctor visit. Neither are great options as one puts too much stress on me for figuring out payment, but the other has very few specialist options.

Anyway, there is a "Family Practice" DO listed as a PCP who specializes in neuromusculoskeletal medicine and internal medicine who I think will be my first try at a new pcp.

The hmo only offers 2 neurologists, both at the same medical group, which is somewhat inconvenient for me to get to.

My questions are purely to gain your opinion (aka what would you do).

Should I think about getting a pulmonologist or cardiologist, too?
Should I be referred to one of these two neuros AND consider trying to go to a specialist out of pocket?
If the hmo neuros don't seem to fit, should I just pay out of pocket for another neuro in town?
I really think I want to try surgery, but I don't believe the hospitals covered by my hmo are skilled... and I don't think ANY hospital in Las Vegas is ranked average or above.

I need a care navigator even though I don't have cancer!