A Referral is a written recommendation by an insured’s primary care physician or a specialist that the insured see another physician or specialist. Colina must coordinate and approve all non-emergency overseas medical services. It is your responsibility to provide a Letter of Medical Necessity and Referral from a Specialist in The Bahamas to a Specialist overseas for a second opinion or for treatment not available locally. If you fail to obtain a referral, and Colina’s approval of the same, prior to obtaining non-emergency medical services overseas, Colina will only pay 50% of Usual, Customary, and Reasonable Charges (URC), after you have paid your applicable out-of-pocket expenses, and you will be responsible for the balance.