A Plan that Doesn’t Require Referrals
CarePlus offers an “open access” Medicare Advantage plan in all CarePlus services areas.
←Back to Types of Plans
Senior couple spending time with their grandchild in the park.

What is an open access plan?

A CarePlus open access plan is a type of Medicare Advantage plan that allows our members to see in-network specialists within their plan’s service area without having to get a referral from their primary care physician (PCP). 

Please note that even though you won’t need a referral to see an in-network  specialist on this type of plan, the specialist may still need prior authorization from your health plan before administering certain types of care. Prior authorization is a step that helps ensure medical necessity of certain services before your health plan covers them.

Should I still see my PCP?

Yes. Even though our CareAccess (HMO) open access plan does not require you to see your PCP for referrals, you should still see them for your annual wellness visit, basic health diagnosis and treatment and other check-ups. It’s important to keep your PCP up to date on other providers you see to maintain a complete record of your health.

Regularly seeing your PCP can help you achieve your best possible overall health.

Who is a good fit for this plan?

If you regularly see certain specialists for needed care and want to avoid having to get a referral before every visit, this type of plan may be convenient for you.

Customer service representative on a call.

  • Learn more



    If you are new to Medicare or qualify for a special enrollment period, you may be able to enroll today. Please enter your ZIP code to compare plans in your area and contact us for help picking the right plan.

     

Explore more

Out-of-network/non-contracted providers are under no obligation to treat CarePlus members, except in emergency situations. Please call CarePlus Member Services or see your Evidence of Coverage for more information, including the cost-sharing that applies to out-of-network services.

H1019_CPHPMKTG_M

Last Updated:

01/01/2026