doctor changes? insurance coverage?

the doctor is see a regular OB and has a standard office, I am high risk but no one has said anything about me seeing a high risk doctor and from talking to people and seeing posts (on here and other places) I feel like that is incredibly "unprofessional" for the lack of a better word...I'm having problems with this office now anyway so I'm looking for a new doctor but do I NEED to be referred to a high risk doctor for me to see one and have my insurance cover it? if I have my files transferred will my insurance cover my appts without a referral...I didn't have to think about this until now because up until this point the office I'm going to was just forgetting small things but now they aren't even spending the time to make sure my blood pressure is taken at the beginning of my appt :/...

my last appt was about a week ago and I've been debating since then I just need some advice on how to go about the doctor change and what my best option would be.