You need referrals and assistance scheduling appointments with in-network doctors and specialists.
When to use – item 6
![](https://morganstanley-benefits.s3.us-east-2.amazonaws.com/content/uploads/2ND-MD-Scheduling-Appointments1.png)
You need referrals and assistance scheduling appointments with in-network doctors and specialists.
Please watch this important video on your 2016 Morgan Stanley Benefits.