I do see your point. I don't think anything can be done about it insurance-wise, but I don't think you were asking that anyway.
NPs are simply not the same as drs. They may function as such in a dr's office, but cannot open their own clinics and function independently in many states. Some states do not allow them to write prescriptions on their own, it has to be under a physician. They do have greater training than an RN, such as a masters degree, and can specialize in things as well. But the training isn't quite as extensive as a physician, who has 4 years of college, then 4 years of medical school, then a minimum of 3 years in residency (could be as many as 8 years), possibly a fellowship for 1-2 years post-residency. They are then allowed to practice on their own as full physicians, after quite a bit more training than an NP.
NPs can be very nice, informed, experienced, etc. I have seen the one at my OB's office when I had double mastitis and needed an appt that day and I called at 3pm. It was the NP or wait till the next day. The NP was fine with me. And she would be fine with me for regular gyn visits as well, though I do see my regular OB for those, simply because I've been seeing him for over 6 years now.
My daughter also saw one as a baby, but that experience did not go so well. She was 6 weeks old and had a pink, crusty eye. I stopped in at the ped's after my OB well check, since it is next door, to be sure the ointment we were prescribed the previous Friday was in fact appropriate and that it was pink eye, not a blocked duct. The ped had mentioned it could be either, but since we had been around another kid with pink eye she gave us the ointment. Since I didn't have an appt I was seen by the NP since all the drs were full. She looked at my daughter's eyes and panicked, thought she saw a tumor, had me call from there to get an appt with the pediatric opthamologist for the next day, and needless to say I was in a true panic. I thought my newborn had cancer and spent 24 hours in a state of fear. Well, the pediatric eye dr looked at her eye and knew immediately that the haze the NP had seen was just a result of the blocked duct.
I appreciated the immense concern of the NP, but man, to hear something like that with your 6 week old baby is scary! That's not to say the ped couldn't have made the same mistake, but the ped did see my daughter a few days earlier, looked at her eyes, and did not make any mention of a possible tumor. Could have just been a coincidence, or it could have been that the ped had more training and/or experience.
ETA: Chloe and Cindy said what I was thinking in more eloquent ways.