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Yeah, all of those questions sound like a normal part of building a health history.
If you have insurance that requires you to get a referral from your primary care physician, then yes, he certainly can refuse to refer you, especially if he thinks his course of action is an acceptable one. Given that he has the M.D. and you don't, I'd probably go with what he says.
I'd also suggest that you improve your health literacy so that the next time you go to the doctor, you feel more comfortable having a conversation about your needs as a patient. When you go in informed about your general health, and know the terms a doctor is using, a doctor will notice.
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If I am not better, at least I am different. --Jean-Jacques Rousseau
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