The majority of people with group health insurance coverage in the United States are covered by a health maintenance organization (HMO). This type of insurance plan is relatively inexpensive compared to others, but is often more restrictive and requires active involvement of the insured member. The need for a referral prior to a visit with a specialist is one of the most misunderstood and potentially confusing rules.
Step 1
Schedule a visit with your primary-care physician to discuss your ailment.
Step 2
Request a referral to an in-network specialist at the conclusion of your visit.
Step 3
Obtain your insurance company's specific completed referral form from your doctor's receptionist.
Step 4
Contact the specialist's office and schedule an appointment.
Step 5
Give the completed referral form to the specialist's receptionist when you arrive for your visit.