A health plan that lets you visit any doctor in the plan's network. You do not need a referral from your primary care physician.
An open access (OA) plan is an HMO or POS plan in which patients are allowed to self-refer to specialists for a higher co-pay.
Plans which cover all prescription drugs unless specifically excluded or restricted (as opposed to managed formulary plans which exclude any drug that is not specifically listed)
type of health plan which allows a member to self-refer to a network physician. See health plan product descriptions.
This type of plan allows members to self-refer to a specialist, either in-network or out-of-network, without first obtaining a referral from a primary care doctor. There is, however, usually a higher cost to go to an out-of-network provider.