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What is a referral and do I need one?

Understanding referrals

A referral is like a special pass from your primary care doctor to see a specialist or receive certain medical services. If you're on a Health Maintenance Organization (HMO) plan, you will likely need a referral to see specialists like Physical Therapists. Without a referral on file, your plan may not cover the cost of your visit.

How are referrals different from prescriptions?

Each insurance plan has its own set of rules for referrals and prescriptions related to specialist care, including physical therapy services. To find out the specific requirements of your plan, we recommend reaching out to the member services line listed on your insurance card. They can provide you with the most accurate and up-to-date information tailored to your coverage.

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