Do I need a referral to see a specialist?
Are my doctors covered? What happens if my doctor is out of network?
Check your plan's Summary of Benefits document or Evidence of Coverage document for a description of your share of cost for services, both in- and out-of-network. You can receive care from any provider who is willing to bill Clover Health, but depending on your plan's benefits you may pay a different amount of money for the same services.