I hurt my lower back this weekend. I've got a new health insurer, what with being unemployed, so I called them this morning to find out what the deal is with seeing a physical therapist. I have to 1) find a physician who is accepting new patients 2) wait X months for an appointment 3) get a referral to a PT 4) make an appointment with the PT 5) have my back treated.

I don't get how this setup benefits anybody at all. I guess I'll just pay out of pocket. Hell of a system we have here.