What type of health plan generally allows the insured to see specialists without a referral?

The type of health plan that generally allows the insured to see specialists without a referral is a Preferred Provider Organization (PPO). This flexibility is a key feature of PPOs, distinguishing them from other types of health plans like Health Maintenance Organizations (HMOs), which typically require referrals to see specialists in order to manage costs and coordination of care.

PPOs provide a network of preferred providers, but individuals are not restricted to these providers; they can seek care outside the network, albeit at a higher out-of-pocket cost. The absence of a referral requirement means that members can access specialist services more directly, facilitating timely care and greater independence in healthcare decisions.

This aspect makes PPOs appealing to those who prefer more choice in their healthcare and want to avoid the hassle of obtaining referrals for specialist appointments.