I too have supplemental insurance through AARP. I have been able (so far) to change doctors when I did not feel comfortable with the first. As far as I know, it is best to see if the clinic/doctor/hospital you wish to go to accepts your form of insurance. Then it is a matter of also double checking with your specific insurance company. In my case, someone made some calls for me, and found I was covered to seek guidance and care out of state. I found another doctor however, in my city though a suggestion on this forum. It is a teaching hospital and the doctor I switched to is a specialist in my form of cancer. Hope you find a better doctor. I know what it is like to go to someone you are uncomfortable with.