If I’m referred to a specialist by my PCP, will the specialist usually accept my insurance if it’s an HMO plan?

So recently, I enrolled in the BCBS MyBlue Silver 807 plan, which is an HMO plan. Essentially, this plan being an HMO, it gives me a far more limited line of medical professionals I can navigate through for a lower cost as compared to it’s PPO counterparts.

Specifically, I enrolled in this plan because of the comparably low out-of-pocket maximum amount for medical treatment costs (I qualified for subsidized coverage).

The reason I did this is because the surgical procedure I’m pursing is said to take on this figure determined by the maximum out-of-pocket cost as detailed by the insurance provider.

Prior to enrollment, I tied in my prospective surgeon’s name to the 807 plan, and he was listed as a compatible doctor despite this plan being an HMO plan.

Though, after initiating the formalities of this process shortly after, I’ve learned that I’ll need to obtain a referral to a specialist, like my prospective surgeon, from my chosen PCP.

My question now becomes, if my prospective surgeon’s clinic’s website lists BCBS as a general insurance company they can accept, do I need to worry about my specific insurance plan (807) interfering with my eligibility for this surgery?

Do I need to confirm that the clinic itself accepts my plan assuming I’m able to find myself at a consultation with this prospective surgeon? Regardless of where he’s practicing?

I’m just kind of confused as an adult navigating insurance this way for the first time.

Thank you!

submitted by /u/dissolvingrainfall
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