Question

7 which insurance plans are offered by employers so that employees healthcare costs are lowered?

preferred provider organization plans
health maintenance organization plans
inclusive provider organization plans
points of service plans

Explanation:

Analyze the question requirements

The question asks which insurance plans are offered by employers specifically to lower the employee's healthcare costs.

Evaluate the characteristics of HMO plans

Health Maintenance Organization (HMO) plans are designed to lower healthcare costs by requiring members to use a specific network of doctors and hospitals. They focus on preventive care and require a primary care physician (PCP) to coordinate all care, which keeps premiums and out-of-pocket costs lower than other plans.

Compare with other options

• Preferred Provider Organization (PPO) plans offer more flexibility but generally have higher premiums and out-of-pocket costs.
• "Inclusive Provider Organization plans" is not a standard industry term.
• Point of Service (POS) plans combine elements of HMO and PPO plans but typically have higher costs than pure HMO plans.

Answer:

• Preferred Provider Organization plans
• Health Maintenance Organization plans (Correct answer)
• Inclusive Provider Organization plans
• Points of Service plans