Discovery refuses to pay for COVID test

Early June I had symptoms of COVID-19. Rather than risking my family, I decided to immediately go an test and follow with self isolation. This all happened to be on a Sunday. My wife who is a practicing doctor advised the same. Discovery has refused to pay the claim for the test based on the fact that there was no referring doctor. The only likeness I can give this is if you were having a heart attack, you would first need to go see a cardiologist, and only once referred to the E.R. could you go for treatment. Beyond this, it is a waste of the medical schemes money to force me to see a GP when the results were already pretty clear, as I was already symptomatic. This would mean that the scheme would both be paying for a consult to the GP and for the test.