Which type of health insurance plan typically requires referrals to see specialists?

The type of health insurance plan that typically requires referrals to see specialists is the Health Maintenance Organization (HMO) plan. In an HMO, members are usually required to select a primary care physician (PCP) who serves as the gatekeeper to manage their overall healthcare. The PCP is responsible for overseeing the member's care, and if specialized care is needed, the member must obtain a referral from the PCP to see a specialist. This system helps control costs and ensures that patients receive appropriate and coordinated care.

On the other hand, Preferred Provider Organizations (PPOs) allow members more flexibility in choosing healthcare providers and specialists without requiring referrals, making it easier for members to access a wider range of services. Indemnity plans provide more freedom in choosing providers and do not require referrals, as the member can seek care from any licensed healthcare professional. High Deductible Health Plans (HDHPs), while often paired with Health Savings Accounts (HSAs), also do not necessitate referrals and can be structured similarly to PPOs.