Specialty referrals are optional with the Standard HMO Plan.
If you don’t have a referral to see a specialist, your out-of-pocket cost is higher.
Referrals are needed for specialty care with the Alternate HMO Plan. Specialist visits without a referral from a PCP will not have benefit coverage or payment. Some exceptions apply. You should contact Member Services or your PCP for additional information on referrals to a specialist.