I haven't been referred -- my insurance doesn't require it, but I made an appointment with surgeon. I haven't been to my doctor in a year and I really have no idea what to expect in this first appointment. His staff said that is fine and they will do all the communication with insurance company. Has anyone followed this same path? Will I have an physical exam with the surgeon or do we just talk? I have no idea what to expect. Any help would be appreciated. Thank you!