The reason insurers require a referral is to keep costs down. That even happens ...

		refurb on July 7, 2022 \| parent \| context \| favorite \| on: I analyzed hospital price lists so you didn't have... The reason insurers require a referral is to keep costs down. That even happens in places with universal healthcare. It doesn’t make sense to pay for a dermatologist at $150 for a visit to look at a rash when a GP would do at $75.