@beckyy39 Hi i had my transplant at Mayo Phoenix and i had to use as many outside doctors as i could after my first year. I have federal Blue Cross Blue Shield and the coverage for testing, transplant and followup for one year was awesome. Very manageable out of pocket the first year. But during my second year i had issues with viruses and had to use Mayo for at least Heart related issues but the insurance paid at a out of network rate so my out of pocket is huge. So to save money where i could i use as many resources i can outside Mayo for now. I would love to get all my treatment there. Well I'm looking forward to a period when my insurance will change to Medicare with Tricare for life secondary and im told things will be covered much better then. I hope that helps ask any questions you like. But i would probably still keep my pcp but will use Mayo for most everything else if it works out with the insurance.