No referral is necessary.
Some providers require a coupon to obtain the discount listed on their web site.
Just print the coupon and present it at the time of service . A directory will be sent to you through internal mail. Be aware that the physician s charges may exceed reasonable and customary if the treating physician is not an in-network physician. Following is an explanation of how the PPO works. A subscriber may use the non-network benefit to access the doctors of his or her choice.