Insurance just hit the reset button on specialist referrals for 2026—especially if you’re with UnitedHealthcare’s Medicare Advantage HMO. That means your old referral to your cardiologist, orthopedist, or even dermatologist might be totally void now. If you haven’t gotten a fresh 2026 referral from your PCP, you could be stuck with the whole bill or have your care delayed. Pro tip: double-check your appointments and get those new referrals ASAP! Anyone else get blindsided at the doctor’s office this month? #Health #BodyHealth #healthinsurance