Referral
Policy
We have
over the past several years attempted to modify our referral process
to meet the needs of our patients, their insurance carriers, and the
various specialty care offices to which we refer. There are over one
hundred specialists to whom we routinely refer; each of who has their
own office policies. Some of the physicians are particularly respectful
of the referral process, judiciously use the referrals we authorize
and always reply with their findings in a timely fashion along with
their reasons for needing further visits. Others deal exclusively with
the patients, reply to the consultation very slowly, do not involve
us in any further treatment planning, and make all follow up appointments
suggestions exclusively with the patients. This latter policy is unacceptable
to us.
A referral
to a specialist is a request for their help in determining how to address
a specific problem; it is not a transfer of care. We do not expect one
referral to an allergist or a dermatologist to translate into our permission
to treat the patient for life without every asking again if we the physician
still need the specialist's help. If we are not performing well enough
in a specific area that you feel that you need repeated visits to a
particular specialist even when we feel we can meet your child's needs
here, then you need to find a new primary care giver. .
For
each referral, you must contact our office at least one week before
the referral appointment to give us enough time to review the request
and contact you beforehand if necessary. No referral will be authorized
if it originates with the family without contacting us first to discuss
the problem and no referral will be authorized if we are not given the
one week lead time.
Each
insurance company has a different policy regarding referrals based on
the products they sell you or your employers. In general, there are
three major types of coverage: HMO coverage, PPO coverage, and general
Indemnity coverage. The HMO coverage is the least expensive and has
the tightest restrictions. It is marketed to the subscribers as allowing
each patient to the network wide group of physicians. Unfortunately
for us, your physicians, we cannot be part of their primary care network
unless we agree to accept part of the risk involved in care for you.
In simple terms, if the cost of your medical care exceeds the budget
the insurance company has set, the physician providers must make up
the shortfall. We the physicians end up paying for your referrals. Each
of us is ethically bound to provide the single best care we can provide
for each patient we care for. We recognize this responsibility and take
it very seriously; however, if we are responsible for each referral,
we need to be part of each referral request. This may seem onerous and
impractical to you, and it certainly is cumbersome for us, but it is
absolutely necessary. We have contacted each of our specialist colleagues
about this situation. They will require that you have a referral in
place before they provide specialty care.
For the
other options offered by your insurance carrier, the referral restrictions
may be less onerous. For a PPO product, you may not need a referral
as long as the specialist is with your plan's network; for an Indemnity
product you may not need a referral at all. It is your responsibility
ultimately to determine the specific dictates of your plan; as much
as we can, we will help you with this responsibility, recognizing that
there are a multitude of insurance carriers and products that we have
to deal with.