Mudmucker, I am sorry you are going through this again. I like your attitude.
If you ever want to ride, let me know, although you will probably drop me like a hot potato.
I have similarly great insurance, with no deductible and no referrals required. I went to so many specialists when I was sick a few years ago, and they didn't question one thing. They paid for all of my DH's angioplasty, second opinions at the Brigham and MGH. They even paid for one of my kids to have an experimental surgery to cure his Raynauds, out of state (it worked).
I worry about what will happen when DH retires... he is hoping to work out a deal with the company to get some kind of help with maintaining this coverage... although we still have awhile.