In small towns yes there are problems with waits sometimes of course, in my opinion this is largely due to anti-competitive laws like certificate of need and due to the strictest licensing requirements in the world. Also, urgent care waits usually aren’t bad. As for whether a place is covered by your insurer, yeah that’s pretty annoying, but there is a reason insurers don’t cover certain things from certain providers- the insurer doesn’t want to pay exhortationate fees just like an uninsured patient would have to so negotiate the cost with the providers ahead of time, and if they don’t reach an agreement they can’t pay for it.