Question

blue cross blue shield (bcbs) is the most widely recognized insurance company. most physicians and hospitals accept bcbs.
read the statement. then choose which type of blue cross blue shield plan the patient likely has.
the patients policy is sponsored by a self - insured employer or association. there is a small network of primary care physicians that acts as a gatekeeper. which blue cross blue shield plan does this patient most likely have?
a. hmo
b. indemnity coverage
c. pos
d. epo

Explanation:

• HMO (Health Maintenance Organization) plans often have a gatekeeper (a primary care physician who coordinates care and authorizes referrals). Indemnity coverage is more traditional fee - for - service with less gatekeeping. POS (Point - of - Service) and EPO (Exclusive Provider Organization) have some network - based features but the gatekeeper role is most strongly associated with HMOs.

Answer:

A. HMO