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Being forced to see a GP before a specialist even when you clearly know you have an ear problem and you'll end up being referred to the specialist anyway. money grab policies!
Luckily this one is easyish to get around. Some insurance plans don't require a referral for a specialist; you can just make an appointment to see them directly. You just have to look for the policy when you pick your plan (assuming you have insurance available to you, but that's a whole 'nother issue)
Those plans usually have a more limited network and a higher out of network charge, though.
My work subsidizes both our CCHP and PPO at exactly the same amount. They've made it clear that it's almost always cheaper to go with the CCHP no matter how much healthcare you need in a given year.