Which plan provides coverage through a network of selected providers, but allows out-of-network visits with higher costs?

Which plan provides coverage through a network of selected providers, but allows out-of-network visits with higher costs?

• A. HMO
• B. PPO
• C. POS
• D. EPO

Answer: (B)

Think about how each plan handles provider choices and costs. A plan that gives you access to a network of preferred providers for discounted in-network visits, but also lets you go out of network with higher costs, best fits the description. This type is designed to offer flexibility: you save when you stay in-network, and you can see out-of-network doctors if needed, paying more due to higher deductibles and coinsurance. In practice, you usually don’t need referrals to see specialists with this plan, which adds to the convenience and choice. The other plans tend to be stricter about network use: one requires staying in-network with no out-of-network coverage except emergencies and often requires a primary care physician referral; another covers only in-network providers; and another is a hybrid with some out-of-network access but still more limitations. Therefore, the plan described is the one that balances network discounts with the option of out-of-network visits at higher costs.

Think about how each plan handles provider choices and costs. A plan that gives you access to a network of preferred providers for discounted in-network visits, but also lets you go out of network with higher costs, best fits the description. This type is designed to offer flexibility: you save when you stay in-network, and you can see out-of-network doctors if needed, paying more due to higher deductibles and coinsurance.

In practice, you usually don’t need referrals to see specialists with this plan, which adds to the convenience and choice. The other plans tend to be stricter about network use: one requires staying in-network with no out-of-network coverage except emergencies and often requires a primary care physician referral; another covers only in-network providers; and another is a hybrid with some out-of-network access but still more limitations. Therefore, the plan described is the one that balances network discounts with the option of out-of-network visits at higher costs.