Hopefully your pedi will just give you the referral and then you can just make an appt to go see Dr. Nelson. As for the insurance at that point, usually the doctors have a way of coding it so that it will be covered, especially on the face..but I'm not 100% sure. Over the years we have had Blue Cross, Medicaid and Harvard Pilgrim at various times and everything has always been covered with no problems. My daughter had steroid treatment, surgery and laser and we never had a problem. So hopefully you will not as well. Again, Basia is a great resource in this area. Keep us posted! She is so adorable!