Why do I need a referral from my PCP if I have an HMO insurance plan?

Health Maintenance Organization (HMO) insurance plans often require a referral from your primary care physician (PCP) before seeing a specialist like a therapist or prescriber. In an HMO plan, your PCP acts as a guide and is there to help determine which services are medically necessary for you and coordinate care with the specialist. Without a referral, you will be responsible for the full cost of services that may have otherwise been covered with a referral.

To avoid paying costs that may be covered, request a referral from your PCP before your first session with your therapist or prescriber.

If you’ve checked whether we accept your insurance plan, you’ll get an email with the details you need to share with your PCP when you request a referral.

If you or your PCP needs more information, log into your account to send us a message or email us at support@cerebral.com.