I chose the umbrella term for my insurance, but my specific category was not listed. when i make my first appointment, how do i know for sure i will not end up paying the full price? also, do health tap doctors give referrals to specialists?

You've posted on the free, public forum of HealthTap, which is not connected to the paid services of the site. Sorry, can't help you.

If you are referring to a HealthTap appointment and you want to know if your insurance will cover the visit, the best thing to do is call your insurance carrier and ask if telehealth visits are covered or not. If a telehealth visit is covered, then your visit is likely covered. You can then call HealthTap to confirm your insurance is accepted. Good luck to you!