Do I need a referral to see a specialist on an HMO Plan? How do I get a referral?

Generally, yes.

Your PCP will provide you with a referral to a specialist, if you need to see one. Always contact your PCP first for any care you need. However, women do not have to have a referral to see an OB/GYN designated as a Woman’s Principal Health Care Provider (WPHCP).