BIGJOHN,
If they are separating you after an MMRB, this is wrong. They should be referring you to an MEB and later a PEB. The reason to fight this is that you may be eligible for benefits, possibly immediate military retirement. A side note, I have seen several States informing members that the only appeal is to a non-duty related PEB to argue for fitness. Though they put it on letterhead, or have it signed by high ranking officials, they are still wrong.
I just fought this out in another state. Though, initially, all the people I spoke to stated that they were correctly separating members after an MMRB, I addressed the issue to the State Surgeon and the Adjutant General and got them to change their position. I think that this erroneous processing of cases is a pervasive problem. Contact me by PM if this is what they are doing to you.