AARP MEDICARE (UHC PLAN) No referral required AETNA AETNA Medicare PPO Only no referral required AMBETTER Some plans require a referral Auto Insurance AVMED Some plans require a referral BLUE CROSS BLUE SHIELD PPO No referral required BLUE CROSS BLUE SHIELD HMO Needs referral from PCP BLUE CROSS BLUE SHIELD FEDERAL No referral required BLUE CROSS BLUE […]