Glossary · Care and services
What is a referral?
A referral is a written order from your primary care doctor to see a specialist or get certain services. Many HMOs require one before you get care from anyone except your primary care doctor.
Definition and figures from HealthCare.gov glossary, checked October 23, 2026. This page explains the term; it does not recommend a plan.
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Referral: the facts
| Item | Fact | Source |
|---|---|---|
| Required by | Many HMOs and all POS plans for specialist visits | HealthCare.gov glossary: Referral |
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What does referral mean in health insurance?
A referral is a written order from your primary care doctor to see a specialist or get certain services. Many HMOs require one before you get care from anyone except your primary care doctor.