If you are going through insurance for top surgery and have an HMO insurance plan (or are getting insurance through your school) it’s likely that Dr. Mosser will be considered out-of-network. Your insurance supplies you with a list of in-network providers, if Dr. Mosser isn’t on that list than you will need a letter from your primary care physician (PCP) referring you for a consultation with a specialist (AKA Dr. Mosser/Reconstructive Surgeon).
The referral is authorized by the medical group your insurance policy is managed by which is listed on your insurance card. If it is denied by the medical group, it is due to our facility being out-of-network. In which case, they will re-route you to an in-network provider. It’s important to note that a denied referral can be appealed; in such case that can be discussed with our Insurance Advocacy team.