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sneakinsnake t1_iu5y3st wrote

Many HMOs require that referrals be approved prior to any scheduled appointment with a specialist. " - [https://www.bidmc.org/centers-and-departments/general-medicine-primary-care/healthcare-associates-hca/insurance-and-managed-care-guidelines](https://www.bidmc.org/centers-and-departments/general-medicine-primary-care/healthcare-associates-hca/insurance-and-managed-care-guidelines) "If you have a health maintenance organization (HMO) or point of service (POS) plan, you'll probably

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