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What is a referral and do I need one?

A referral is a written order from your primary care doctor to see a specialist or receive certain medical services. Many Health Maintenance Organization (HMO) plans require a referral to see a specialist, such as a Physical Therapist, and will not cover the cost of a visit without having a referral on file.

Referrals are different than prescriptions and every insurance plan will have separate requirements for referrals and prescriptions for specialist/physical therapy services.

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