If you do see a t, you may be able to sign a release to talk to the doctor and then discuss her perception of things. Obviously she can't diagnosis but my dr listened to the counsellor I was seeing because of the experience she has.

I'm sorry about your work, can you call human resources? Look up the employment law side, if you signed a contract saying you would be eligible for insurance at x time, they probably have an obligation to follow through. Anytime I've had an issue and mentioned calling the labour board, things get fixed. They know the law but hope you don't. I'm in Canada so my health care is well covered but I have a friend in the US and it all infuriates me!

Wishing you the best for the new year