Question

multiple choice question

point-of-service plans are also called ______.

• open hmos
• open indemnity plans
• chip plans
• access care plans

Explanation:

Define Point-of-Service (POS) plans

Using the Point-of-Service Plans knowledge point
A Point-of-Service (POS) plan is a hybrid managed care option combining features of Health Maintenance Organizations (HMOs) and Preferred Provider Organizations (PPOs).

Analyze alternative terminology

Using the Health Maintenance Organization knowledge point
Because POS plans allow members to receive out-of-network care but require them to use a primary care physician (PCP) as a gatekeeper for referrals, they are often referred to as "open HMOs" or "hybrid HMOs."

Evaluate the given options

• open HMOs: Correct, as POS plans function as HMOs with an "open" option to go out-of-network.
• open indemnity plans: Incorrect, indemnity plans do not use networks or primary care gatekeepers.
• CHIP plans: Incorrect, CHIP is a government program (Children's Health Insurance Program).
• access care plans: Incorrect, this is not a standard industry term for POS plans.

Answer:

• (A) open HMOs (Correct answer)
• (B) open indemnity plans
• (C) CHIP plans
• (D) access care plans