If I could give less than one star, I would. As I have waited for referrals, my UTI has gotten worse and the antibiotics I had to wait a week for, are now not working. I am in pain and there is nowhere to turn. I feel like this could get even worse before it gets better. The referral system Par 80 does not work. Let us take our referrals from the Dr.s office and get the help we desperately need! If you need insurance, don't become a teacher, because this is awful insurance, it costs three times more than necessary because of having to go to the family doctor each time you need a specialist. Come on, health care should not be this difficult.