MS. KATTI RENEE KINNEAR APRN CNP
Accepted Insurance for NPI 1770242521
Nurse Practitioner - Family in Duluth, MN

Q: What managed care network types are accepted by this provider?

MS. KATTI RENEE KINNEAR APRN CNP is enrolled across the following managed care network types: EPO, HMO, POS, PPO. HMO (Health Maintenance Organization): Requires receiving care through the network of clinicians and facilities, often requiring primary doctor referrals to access specialist treatments.PPO (Preferred Provider Organization): Provides flexibility to visit out-of-network clinicians without requiring referrals, though seeking care with in-network providers offers lower out-of-pocket costs.EPO (Exclusive Provider Organization): Restricts coverage strictly to network providers except for emergency situations, but generally allows seeking treatment from network specialists without an official referral.POS (Point of Service): Bridges elements of HMO and PPO rules. It generally mandates an in-network primary care physician referral for specialized services but retains partial out-of-network lookup allowances at heightened cost tiers.

NPI Status: Active since December 09, 2021

Contact Information

407 E 3RD ST
DULUTH, MN
ZIP 55805
Phone: (218) 786-8364

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Accepted Health Plans and Insurance Coverage

This registry outlines the health plan networks and insurance coverage profiles associated with MS. KATTI RENEE KINNEAR APRN CNP, a practicing nurse practitioner professional in Duluth, MN. Compiled from official data resources, this interface is designed to help you determine if your policy is accepted at this practice location. Currently, the provider is listed across 149 individual coverage options managed by medical networks, including networks like HealthPartners, Medica, and Sanford Health Plan. Please use the filtering dashboard below to search for your specific plan by name, narrow results by a single carrier corporate network, or toggle between plan types (HMO, PPO, EPO) to check your status before coordinating an upcoming clinic visit.

Search Insurance Plans

Filter By Insurance Company

Fitler by Network Type

HealthPartners

Atlas $1,300 Gold

PPO Group

Market Classification Rank: Individual Coverage Framework

Assigned Option Status: NETWORK Tier

Accepted Plan ID Variations

20173WI0130020

Atlas $2,000 Standard Gold

PPO Group

Market Classification Rank: Individual Coverage Framework

Assigned Option Status: NETWORK Tier

Accepted Plan ID Variations

20173WI0130040

Atlas $3,050 Plus Silver

PPO Group

Market Classification Rank: Individual Coverage Framework

Assigned Option Status: NETWORK Tier

Accepted Plan ID Variations

20173WI0130021

Atlas $3,800 HSA Silver

PPO Group

Market Classification Rank: Individual Coverage Framework

Assigned Option Status: NETWORK Tier

Accepted Plan ID Variations

20173WI0130026

Atlas $6,000 Standard Silver

PPO Group

Market Classification Rank: Individual Coverage Framework

Assigned Option Status: NETWORK Tier

Accepted Plan ID Variations

20173WI0130041

Atlas $6,800 Plus Bronze HSA

PPO Group

Market Classification Rank: Individual Coverage Framework

Assigned Option Status: NETWORK Tier

Accepted Plan ID Variations

20173WI0130023

Atlas $7,500 Standard Bronze HSA

PPO Group

Market Classification Rank: Individual Coverage Framework

Assigned Option Status: NETWORK Tier

Accepted Plan ID Variations

20173WI0130042

Atlas $8,400 HSA Bronze

PPO Group

Market Classification Rank: Individual Coverage Framework

Assigned Option Status: NETWORK Tier

Accepted Plan ID Variations

20173WI0130027

Medica

Essentia Choice Care with Medica Bronze $0 Copay PCP Visits

HMO Group

Market Classification Rank: Individual Coverage Framework

Assigned Option Status: PREFERRED Tier

Accepted Plan ID Variations

73751ND0140041

Essentia Choice Care with Medica Bronze HSA

EPO Group

Market Classification Rank: Individual Coverage Framework

Assigned Option Status: PREFERRED Tier

Accepted Plan ID Variations

57845WI0060011

Essentia Choice Care with Medica Bronze Share

EPO Group

Market Classification Rank: Individual Coverage Framework

Assigned Option Status: PREFERRED Tier

Accepted Plan ID Variations

57845WI0060029

Essentia Choice Care with Medica Bronze Share

HMO Group

Market Classification Rank: Individual Coverage Framework

Assigned Option Status: PREFERRED Tier

Accepted Plan ID Variations

73751ND0140029

Essentia Choice Care with Medica Expanded Bronze Standard

EPO Group

Market Classification Rank: Individual Coverage Framework

Assigned Option Status: PREFERRED Tier

Accepted Plan ID Variations

57845WI0060073

Essentia Choice Care with Medica Expanded Bronze Standard

HMO Group

Market Classification Rank: Individual Coverage Framework

Assigned Option Status: PREFERRED Tier

Accepted Plan ID Variations

73751ND0140073

Essentia Choice Care with Medica Gold $0 Copay PCP Visits

EPO Group

Market Classification Rank: Individual Coverage Framework

Assigned Option Status: PREFERRED Tier

Accepted Plan ID Variations

57845WI0060074

Essentia Choice Care with Medica Gold $0 Copay PCP Visits

HMO Group

Market Classification Rank: Individual Coverage Framework

Assigned Option Status: PREFERRED Tier

Accepted Plan ID Variations

73751ND0140045

Essentia Choice Care with Medica Gold Share

EPO Group

Market Classification Rank: Individual Coverage Framework

Assigned Option Status: PREFERRED Tier

Accepted Plan ID Variations

57845WI0060076

Essentia Choice Care with Medica Gold Share

HMO Group

Market Classification Rank: Individual Coverage Framework

Assigned Option Status: PREFERRED Tier

Accepted Plan ID Variations

73751ND0140074

Essentia Choice Care with Medica Gold Standard

EPO Group

Market Classification Rank: Individual Coverage Framework

Assigned Option Status: PREFERRED Tier

Accepted Plan ID Variations

57845WI0060055

Essentia Choice Care with Medica Gold Standard

HMO Group

Market Classification Rank: Individual Coverage Framework

Assigned Option Status: PREFERRED Tier

Accepted Plan ID Variations

73751ND0140055

Essentia Choice Care with Medica Silver $0 Copay PCP Visits

EPO Group

Market Classification Rank: Individual Coverage Framework

Assigned Option Status: PREFERRED Tier

Accepted Plan ID Variations

57845WI0060075

Essentia Choice Care with Medica Silver $0 Copay PCP Visits

HMO Group

Market Classification Rank: Individual Coverage Framework

Assigned Option Status: PREFERRED Tier

Accepted Plan ID Variations

73751ND0140047

Essentia Choice Care with Medica Silver Share

EPO Group

Market Classification Rank: Individual Coverage Framework

Assigned Option Status: PREFERRED Tier

Accepted Plan ID Variations

57845WI0060027

Essentia Choice Care with Medica Silver Share

HMO Group

Market Classification Rank: Individual Coverage Framework

Assigned Option Status: PREFERRED Tier

Accepted Plan ID Variations

73751ND0140076

Essentia Choice Care with Medica Silver Standard

EPO Group

Market Classification Rank: Individual Coverage Framework

Assigned Option Status: PREFERRED Tier

Accepted Plan ID Variations

57845WI0060057

Essentia Choice Care with Medica Silver Standard

HMO Group

Market Classification Rank: Individual Coverage Framework

Assigned Option Status: PREFERRED Tier

Accepted Plan ID Variations

73751ND0140057

Medica Individual Choice Bronze $0 Copay PCP Visits

HMO Group

Market Classification Rank: Individual Coverage Framework

Assigned Option Status: PREFERRED Tier

Accepted Plan ID Variations

73751ND0130041

Medica Individual Choice Bronze HSA

EPO Group

Market Classification Rank: Individual Coverage Framework

Assigned Option Status: PREFERRED Tier

Accepted Plan ID Variations

57845WI0040011

Medica Individual Choice Bronze Share

EPO Group

Market Classification Rank: Individual Coverage Framework

Assigned Option Status: PREFERRED Tier

Accepted Plan ID Variations

57845WI0040029

Medica Individual Choice Bronze Share

HMO Group

Market Classification Rank: Individual Coverage Framework

Assigned Option Status: PREFERRED Tier

Accepted Plan ID Variations

73751ND0130029

Medica Individual Choice Expanded Bronze Standard

EPO Group

Market Classification Rank: Individual Coverage Framework

Assigned Option Status: PREFERRED Tier

Accepted Plan ID Variations

57845WI0040073

Medica Individual Choice Expanded Bronze Standard

HMO Group

Market Classification Rank: Individual Coverage Framework

Assigned Option Status: PREFERRED Tier

Accepted Plan ID Variations

73751ND0130073

Medica Individual Choice Gold $0 Copay PCP Visits

EPO Group

Market Classification Rank: Individual Coverage Framework

Assigned Option Status: PREFERRED Tier

Accepted Plan ID Variations

57845WI0040074

Medica Individual Choice Gold $0 Copay PCP Visits

HMO Group

Market Classification Rank: Individual Coverage Framework

Assigned Option Status: PREFERRED Tier

Accepted Plan ID Variations

73751ND0130045

Medica Individual Choice Gold Share

EPO Group

Market Classification Rank: Individual Coverage Framework

Assigned Option Status: PREFERRED Tier

Accepted Plan ID Variations

57845WI0040076

Medica Individual Choice Gold Share

HMO Group

Market Classification Rank: Individual Coverage Framework

Assigned Option Status: PREFERRED Tier

Accepted Plan ID Variations

73751ND0130074

Medica Individual Choice Gold Standard

EPO Group

Market Classification Rank: Individual Coverage Framework

Assigned Option Status: PREFERRED Tier

Accepted Plan ID Variations

57845WI0040055

Medica Individual Choice Gold Standard

HMO Group

Market Classification Rank: Individual Coverage Framework

Assigned Option Status: PREFERRED Tier

Accepted Plan ID Variations

73751ND0130055

Medica Individual Choice Silver $0 Copay PCP Visits

EPO Group

Market Classification Rank: Individual Coverage Framework

Assigned Option Status: PREFERRED Tier

Accepted Plan ID Variations

57845WI0040075

Medica Individual Choice Silver $0 Copay PCP Visits

HMO Group

Market Classification Rank: Individual Coverage Framework

Assigned Option Status: PREFERRED Tier

Accepted Plan ID Variations

73751ND0130047

Medica Individual Choice Silver Share

EPO Group

Market Classification Rank: Individual Coverage Framework

Assigned Option Status: PREFERRED Tier

Accepted Plan ID Variations

57845WI0040027

Medica Individual Choice Silver Share

HMO Group

Market Classification Rank: Individual Coverage Framework

Assigned Option Status: PREFERRED Tier

Accepted Plan ID Variations

73751ND0130076

Medica Individual Choice Silver Standard

EPO Group

Market Classification Rank: Individual Coverage Framework

Assigned Option Status: PREFERRED Tier

Accepted Plan ID Variations

57845WI0040057

Medica Individual Choice Silver Standard

HMO Group

Market Classification Rank: Individual Coverage Framework

Assigned Option Status: PREFERRED Tier

Accepted Plan ID Variations

73751ND0130057

Sanford Health Plan

Sanford Individual Simplicity $1,750

PPO Group

Market Classification Rank: Individual Coverage Framework

Assigned Option Status: SIMPLICITY Tier

Accepted Plan ID Variations

31195SD011000189364ND0120001

Sanford Individual Simplicity $10,600

PPO Group

Market Classification Rank: Individual Coverage Framework

Assigned Option Status: SIMPLICITY Tier

Accepted Plan ID Variations

31195SD011000989364ND0120009

Sanford Individual Simplicity $3,500

PPO Group

Market Classification Rank: Individual Coverage Framework

Assigned Option Status: SIMPLICITY Tier

Accepted Plan ID Variations

31195SD011000389364ND0120003

Sanford Individual Simplicity $4,750

PPO Group

Market Classification Rank: Individual Coverage Framework

Assigned Option Status: SIMPLICITY Tier

Accepted Plan ID Variations

31195SD011000589364ND0120005

Sanford Individual Simplicity $6,500

PPO Group

Market Classification Rank: Individual Coverage Framework

Assigned Option Status: SIMPLICITY Tier

Accepted Plan ID Variations

31195SD011000789364ND0120007

Sanford Individual Simplicity $7,200 HSA Qualified

PPO Group

Market Classification Rank: Individual Coverage Framework

Assigned Option Status: SIMPLICITY Tier

Accepted Plan ID Variations

31195SD011000689364ND0120006

Sanford Individual Simplicity Standardized $2,000

PPO Group

Market Classification Rank: Individual Coverage Framework

Assigned Option Status: SIMPLICITY Tier

Accepted Plan ID Variations

31195SD011001889364ND0120018

Sanford Individual Simplicity Standardized $6,000

PPO Group

Market Classification Rank: Individual Coverage Framework

Assigned Option Status: SIMPLICITY Tier

Accepted Plan ID Variations

31195SD011001789364ND0120017

Sanford Individual Simplicity Standardized $7,500

PPO Group

Market Classification Rank: Individual Coverage Framework

Assigned Option Status: SIMPLICITY Tier

Accepted Plan ID Variations

31195SD011001689364ND0120016

Security Health Plan

Premier $2,000 - 25%

HMO Group

Market Classification Rank: Individual Coverage Framework

Assigned Option Status: NON-PREFERRED Tier

Accepted Plan ID Variations

38166WI0310001

Premier $3,500 - 30%

HMO Group

Market Classification Rank: Individual Coverage Framework

Assigned Option Status: NON-PREFERRED Tier

Accepted Plan ID Variations

38166WI0310002

Premier $4,000 - 50%

HMO Group

Market Classification Rank: Individual Coverage Framework

Assigned Option Status: NON-PREFERRED Tier

Accepted Plan ID Variations

38166WI0310030

Premier $5,000 HDHP

HMO Group

Market Classification Rank: Individual Coverage Framework

Assigned Option Status: NON-PREFERRED Tier

Accepted Plan ID Variations

38166WI0310004

Premier $6,000 - 40%

HMO Group

Market Classification Rank: Individual Coverage Framework

Assigned Option Status: NON-PREFERRED Tier

Accepted Plan ID Variations

38166WI0310003

Premier $7,500

HMO Group

Market Classification Rank: Individual Coverage Framework

Assigned Option Status: NON-PREFERRED Tier

Accepted Plan ID Variations

38166WI0310006

Premier $7,500 HDHP

HMO Group

Market Classification Rank: Individual Coverage Framework

Assigned Option Status: NON-PREFERRED Tier

Accepted Plan ID Variations

38166WI0310005

Select $2,000 - 25%

EPO Group

Market Classification Rank: Individual Coverage Framework

Assigned Option Status: NON-PREFERRED Tier

Accepted Plan ID Variations

38166WI0180026

Select $3,500 - 30%

EPO Group

Market Classification Rank: Individual Coverage Framework

Assigned Option Status: NON-PREFERRED Tier

Accepted Plan ID Variations

38166WI0180023

Select $4,000 - 50%

EPO Group

Market Classification Rank: Individual Coverage Framework

Assigned Option Status: NON-PREFERRED Tier

Accepted Plan ID Variations

38166WI0180030

Select $5,000 HDHP

EPO Group

Market Classification Rank: Individual Coverage Framework

Assigned Option Status: NON-PREFERRED Tier

Accepted Plan ID Variations

38166WI0180018

Select $6,000 - 40%

EPO Group

Market Classification Rank: Individual Coverage Framework

Assigned Option Status: NON-PREFERRED Tier

Accepted Plan ID Variations

38166WI0180027

Select $7,500

EPO Group

Market Classification Rank: Individual Coverage Framework

Assigned Option Status: NON-PREFERRED Tier

Accepted Plan ID Variations

38166WI0180028

Select $7,500 HDHP

EPO Group

Market Classification Rank: Individual Coverage Framework

Assigned Option Status: NON-PREFERRED Tier

Accepted Plan ID Variations

38166WI0180022

Select $9,500

EPO Group

Market Classification Rank: Individual Coverage Framework

Assigned Option Status: NON-PREFERRED Tier

Accepted Plan ID Variations

38166WI0180014

Select Protection

EPO Group

Market Classification Rank: Individual Coverage Framework

Assigned Option Status: NON-PREFERRED Tier

Accepted Plan ID Variations

38166WI0180008

Premier HMO $1,500 - 30%

HMO Group

Market Classification Rank: SHOP (Small Group) Coverage Framework

Assigned Option Status: PREFERRED Tier

Accepted Plan ID Variations

38166WI0140004

Premier HMO $2,500 - 20% Copay

HMO Group

Market Classification Rank: SHOP (Small Group) Coverage Framework

Assigned Option Status: PREFERRED Tier

Accepted Plan ID Variations

38166WI0140040

Premier HMO $3,400 - 30% HDHP

HMO Group

Market Classification Rank: SHOP (Small Group) Coverage Framework

Assigned Option Status: PREFERRED Tier

Accepted Plan ID Variations

38166WI0140045

Premier HMO $3,500 - 30%

HMO Group

Market Classification Rank: SHOP (Small Group) Coverage Framework

Assigned Option Status: PREFERRED Tier

Accepted Plan ID Variations

38166WI0140011

Premier HMO $3,500 HDHP

HMO Group

Market Classification Rank: SHOP (Small Group) Coverage Framework

Assigned Option Status: PREFERRED Tier

Accepted Plan ID Variations

38166WI0140033

Premier HMO $4,000 - 20% HDHP

HMO Group

Market Classification Rank: SHOP (Small Group) Coverage Framework

Assigned Option Status: PREFERRED Tier

Accepted Plan ID Variations

38166WI0140012

Premier HMO $5,000 - 20% HDHP

HMO Group

Market Classification Rank: SHOP (Small Group) Coverage Framework

Assigned Option Status: PREFERRED Tier

Accepted Plan ID Variations

38166WI0140034

Premier HMO $5,500 - 40% Copay

HMO Group

Market Classification Rank: SHOP (Small Group) Coverage Framework

Assigned Option Status: PREFERRED Tier

Accepted Plan ID Variations

38166WI0140036

Premier HMO $7,500 HDHP

HMO Group

Market Classification Rank: SHOP (Small Group) Coverage Framework

Assigned Option Status: PREFERRED Tier

Accepted Plan ID Variations

38166WI0140037

Premier HMO $750 - 10%

HMO Group

Market Classification Rank: SHOP (Small Group) Coverage Framework

Assigned Option Status: PREFERRED Tier

Accepted Plan ID Variations

38166WI0140001

Premier HMO $9,500

HMO Group

Market Classification Rank: SHOP (Small Group) Coverage Framework

Assigned Option Status: PREFERRED Tier

Accepted Plan ID Variations

38166WI0140044

Premier POS $1,500 - 30%

POS Group

Market Classification Rank: SHOP (Small Group) Coverage Framework

Assigned Option Status: NON-PREFERRED Tier

Accepted Plan ID Variations

38166WI0150002

Premier POS $2,500 - 20% Copay

POS Group

Market Classification Rank: SHOP (Small Group) Coverage Framework

Assigned Option Status: NON-PREFERRED Tier

Accepted Plan ID Variations

38166WI0150040

Premier POS $3,400 - 30% HDHP

POS Group

Market Classification Rank: SHOP (Small Group) Coverage Framework

Assigned Option Status: NON-PREFERRED Tier

Accepted Plan ID Variations

38166WI0150045

Premier POS $3,500 - 30%

POS Group

Market Classification Rank: SHOP (Small Group) Coverage Framework

Assigned Option Status: NON-PREFERRED Tier

Accepted Plan ID Variations

38166WI0150011

Premier POS $3,500 HDHP

POS Group

Market Classification Rank: SHOP (Small Group) Coverage Framework

Assigned Option Status: NON-PREFERRED Tier

Accepted Plan ID Variations

38166WI0150033

Premier POS $4,000 - 20% HDHP

POS Group

Market Classification Rank: SHOP (Small Group) Coverage Framework

Assigned Option Status: NON-PREFERRED Tier

Accepted Plan ID Variations

38166WI0150012

Premier POS $5,000 - 20% HDHP

POS Group

Market Classification Rank: SHOP (Small Group) Coverage Framework

Assigned Option Status: NON-PREFERRED Tier

Accepted Plan ID Variations

38166WI0150034

Premier POS $5,500 - 40% Copay

POS Group

Market Classification Rank: SHOP (Small Group) Coverage Framework

Assigned Option Status: NON-PREFERRED Tier

Accepted Plan ID Variations

38166WI0150036

Premier POS $7,500 HDHP

POS Group

Market Classification Rank: SHOP (Small Group) Coverage Framework

Assigned Option Status: NON-PREFERRED Tier

Accepted Plan ID Variations

38166WI0150037

Premier POS $750 - 10%

POS Group

Market Classification Rank: SHOP (Small Group) Coverage Framework

Assigned Option Status: NON-PREFERRED Tier

Accepted Plan ID Variations

38166WI0150001

Premier POS $9,500

POS Group

Market Classification Rank: SHOP (Small Group) Coverage Framework

Assigned Option Status: NON-PREFERRED Tier

Accepted Plan ID Variations

38166WI0150044

Reliance $1,500 - 30%

EPO Group

Market Classification Rank: SHOP (Small Group) Coverage Framework

Assigned Option Status: NON-PREFERRED Tier

Accepted Plan ID Variations

38166WI0160002

Reliance $2,500 - 20% Copay

EPO Group

Market Classification Rank: SHOP (Small Group) Coverage Framework

Assigned Option Status: NON-PREFERRED Tier

Accepted Plan ID Variations

38166WI0160040

Reliance $3,400 - 30% HDHP

EPO Group

Market Classification Rank: SHOP (Small Group) Coverage Framework

Assigned Option Status: NON-PREFERRED Tier

Accepted Plan ID Variations

38166WI0160045

Reliance $3,500 - 30%

EPO Group

Market Classification Rank: SHOP (Small Group) Coverage Framework

Assigned Option Status: NON-PREFERRED Tier

Accepted Plan ID Variations

38166WI0160011

Reliance $3,500 HDHP

EPO Group

Market Classification Rank: SHOP (Small Group) Coverage Framework

Assigned Option Status: NON-PREFERRED Tier

Accepted Plan ID Variations

38166WI0160033

Reliance $4,000 - 20% HDHP

EPO Group

Market Classification Rank: SHOP (Small Group) Coverage Framework

Assigned Option Status: NON-PREFERRED Tier

Accepted Plan ID Variations

38166WI0160012

Reliance $5,000 - 20% HDHP

EPO Group

Market Classification Rank: SHOP (Small Group) Coverage Framework

Assigned Option Status: NON-PREFERRED Tier

Accepted Plan ID Variations

38166WI0160034

Reliance $5,500 - 40% Copay

EPO Group

Market Classification Rank: SHOP (Small Group) Coverage Framework

Assigned Option Status: NON-PREFERRED Tier

Accepted Plan ID Variations

38166WI0160036

Reliance $7,500 HDHP

EPO Group

Market Classification Rank: SHOP (Small Group) Coverage Framework

Assigned Option Status: NON-PREFERRED Tier

Accepted Plan ID Variations

38166WI0160037

Reliance $750 - 10%

EPO Group

Market Classification Rank: SHOP (Small Group) Coverage Framework

Assigned Option Status: NON-PREFERRED Tier

Accepted Plan ID Variations

38166WI0160001

Reliance $9,500

EPO Group

Market Classification Rank: SHOP (Small Group) Coverage Framework

Assigned Option Status: NON-PREFERRED Tier

Accepted Plan ID Variations

38166WI0160044

No coverage plans found coordinating with your query criteria.

Coverage Information & FAQs

What insurance does MS. KATTI RENEE KINNEAR APRN CNP accept?

This provider accepts health insurance plans managed by the following insurance companies: HealthPartners, Medica, Sanford Health Plan, Security Health Plan. You can filter specific policies or search for unique plans using the open dashboard controls located above.

Is this provider enrolled to accept Medicare?

Yes, registry files confirm this provider accepts Medicare assignment, meaning they agree to accept the Medicare-approved amount as full payment for covered services. Additionally, the provider is officially enrolled in the PECOS program (Provider Enrollment, Chain, and Ownership System), verifying that they are certified to order, refer, or prescribe services to Medicare beneficiaries.

What managed care network types are accepted by this provider?

MS. KATTI RENEE KINNEAR APRN CNP is enrolled across the following managed care network types: EPO, HMO, POS, PPO.

HMO (Health Maintenance Organization): Requires receiving care through the network of clinicians and facilities, often requiring primary doctor referrals to access specialist treatments.
PPO (Preferred Provider Organization): Provides flexibility to visit out-of-network clinicians without requiring referrals, though seeking care with in-network providers offers lower out-of-pocket costs.
EPO (Exclusive Provider Organization): Restricts coverage strictly to network providers except for emergency situations, but generally allows seeking treatment from network specialists without an official referral.
POS (Point of Service): Bridges elements of HMO and PPO rules. It generally mandates an in-network primary care physician referral for specialized services but retains partial out-of-network lookup allowances at heightened cost tiers.