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How can my health insurance help me if I need a specialist?

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Some health insurance plans require that you get a referral from your family doctor to see a specialist. Call your insurance company and ask. If that's the case, your doctor will give you a referral to the specialist you need. The specialist may need the referral paperwork prior to seeing you in the office, so make sure all the paperwork is completed. Check to see if the specialist is in your insurance company's network. If she isn’t, you might have to pay a bigger part of the bill or perhaps the whole bill. You can ask your family doctor to refer you to another specialist in your plan’s network.

From: How to Use Your Health Insurance WebMD Medical Reference

SOURCES:

Institute of Medicine: "Helping Consumers Understand and Use Health Insurance in 2014." 

Institute of Medicine: "Let's Ask 4?s"

Reviewed by Amita Shroff on July 16, 2018

SOURCES:

Institute of Medicine: "Helping Consumers Understand and Use Health Insurance in 2014." 

Institute of Medicine: "Let's Ask 4?s"

Reviewed by Amita Shroff on July 16, 2018

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