You noticed that the PA interrupted you a few seconds into your statement of concerns. The reason why ... They don't care about what your concerns are! They're in control here and they hope you don't see through the their ignorance! They only do Gels, no AI and no HCG? This is the equivalent of dating a girl that is telling you up front that you will only get a kiss on the cheek for as long as you go out.

Dump this place and move on! I know exactly what you're saying about the out of pocket stuff. I'm in the same boat ... If only my health provider were up to snuff in the real world of HRT ... I'd be $$$ ahead big time! But reality hits, they're not in the real world, and decisions need to made with how you want to maintain your health.