Direct answer
It depends on the network type; HMO plans typically require a referral from a primary care physician to see a specialist, whereas PPO plans generally do not.
Standardized Centers for Medicare & Medicaid Services summary of benefits documentation. For additional information about how coverage works and to compare specific plan options, see the Centers for Medicare & Medicaid Services official website.
What this means for you
It depends on the network type; HMO plans typically require a referral from a primary care physician to see a specialist, whereas PPO plans generally do not.
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