Medical benefits - have a look on your latest medical card, at the bottom it says “referral only”, with that it might happen that you arrive with an emergency at the hospital and at the counter they will ask you to get a referral. And they let u sit until u reach somebody from medical benefits to send an approval and yes it will take a while because how to describe your problem as being not a doctor to a no doctor on the other end - other option is to pay yourself and hope for reimbursement ( good luck here) because somebody in an office without the pain may decides you don’t need that received treatment and then there will be no reimbursement - but yes EK is a wonderful family caring about each other