(Who? & Where?)

What is a referral?⇓
Why do I need a referral?⇓
What is balance billing?⇓
How do I get a referral?⇓
How will I know if the referral has been approved?⇓
What do I do if the referral is denied?⇓
What happens if I do not get a referral or I decide to go ahead and see an out-of-network provider when the referral was denied?⇓
What should I do if I have an unscheduled admission to an out-of-network hospital?⇓