It took me a while to realize that’s why pharmacists started asking odd questions about a scheduled drug I was taking for about a year. I live in NJ, work in PA, and stay in NYC two or three weekends a month; I would go to a pharmacy that was convenient to where I was when I needed a refill – turns out that’s a major sign of doctor/pharm shopping (even though it was the same doc writing the same RX). I was being a badass and didn’t know it! 
For my daughter and me it’s more of a problem of finding specialists who take our insurance who are also accepting new patients. Every year our assigned clinic has changed. Several times in the past six years our plan has been switched. One year after we were told it could be switched back it took months and my daughter missed out on months of necessary therapies. Right now in driving distance there are two rehab clinics who do all the therapies she needs and they are so hard to get in, there’s a six month waiting list for the assessment appointments and more months after that for therapy to begin. It took a year for us. Now that we’re in though, we’re good as long as our insurance doesn’t get switched again.
I am not assigned a primary care doctor. I’m assigned a nurse in a Rite Aid pharmacy clinic. I am told the nurse is just as good as any doctor. Every time I go I tell her I have the same sinus issues and she gives me the same prescription for antibiotics. I have no idea if I have infections because they do no test whatsoever, just maybe two minutes spent discussing symptoms. Is that normal for most insurance companies? After four rounds of antibiotics in a year you’d think I would get some kind of referral for further testing.
It was much worse for me to find a mental health clinic that takes Tenncare. The one I settled on was a faith-based pill mill where I saw the psychiatrist two times in a year and the NP two times a year. Other than that I had a student counselor who suggested prayer and eating bananas. I was given multiple diagnoses that changed every time I saw them. I truly HOPE people who pay big money for insurance are getting better treatment than what I’ve seen.