Under an HMO plan, if you need to see a specialist or have certain medical tests, you usually need a referral from your PCP. Without this referral, the HMO might not provide coverage for the specialist visit or tests, except in emergencies.
Under an HMO plan, if you need to see a specialist or have certain medical tests, you usually need a referral from your PCP. Without this referral, the HMO might not provide coverage for the specialist visit or tests, except in emergencies.