US: With an HMO, can I go to my PCP with a list of issues and have him refer me to multiple doctors in one visit? + Clarification question on how networks work

**Pre-question –**
I thought with an HMO that I would be able to be referred to any doctor in the specific plan I signed up for. I just found out that it may be I can only be referred to doctors in my PCPs *medical group, within* the specific plan that I signed up for.

E.g.
Let’s say I have BCBS Plan 1234B.
My PCP is in the Loyola Providers Network, which is within BCBS Plan 1234B.
There are many other medical groups in my area that are in the BCBS Plan 1234B: Advocate Medical Group, Amita Health MG, Mercy Medical Group, etc.
Is it right that my PCP *cannot* refer me to doctors in those *other* medical groups within BCBS Plan 1234B? i.e. If I want full coverage, he can only refer me to doctors also in the Loyola Providers Network?
*(I’m adding the above detail so you can please correct me if I’m wrong. Insurance confuses me so much.)*

**Main Question –**

When I go to my PCP, can I speak to him about multiple issues at once and get multiple referrals in that same visit?

Details: I’ve been putting off going for ages for scheduling reasons and I have a host of issues I may need to see a specialist for: Dermatology, personal therapy, couple’s therapy, ADHD specialist, knee problems, shoulder surgery specialist.

I want to know, if I can go in and see him about all of these things, and he agrees that all these issues require a specialist, I can get all these referrals in one go?



View Reddit by snapcracklepipView Source

**Pre-question –**
I thought with an HMO that I would be able to be referred to any doctor in the specific plan I signed up for. I just found out that it may be I can only be referred to doctors in my PCPs *medical group, within* the specific plan that I signed up for.

E.g.
Let’s say I have BCBS Plan 1234B.
My PCP is in the Loyola Providers Network, which is within BCBS Plan 1234B.
There are many other medical groups in my area that are in the BCBS Plan 1234B: Advocate Medical Group, Amita Health MG, Mercy Medical Group, etc.
Is it right that my PCP *cannot* refer me to doctors in those *other* medical groups within BCBS Plan 1234B? i.e. If I want full coverage, he can only refer me to doctors also in the Loyola Providers Network?
*(I’m adding the above detail so you can please correct me if I’m wrong. Insurance confuses me so much.)*

**Main Question –**

When I go to my PCP, can I speak to him about multiple issues at once and get multiple referrals in that same visit?

Details: I’ve been putting off going for ages for scheduling reasons and I have a host of issues I may need to see a specialist for: Dermatology, personal therapy, couple’s therapy, ADHD specialist, knee problems, shoulder surgery specialist.

I want to know, if I can go in and see him about all of these things, and he agrees that all these issues require a specialist, I can get all these referrals in one go?



View Reddit by snapcracklepipView Source

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