Question

select the correct answer
which type of health insurance provider generally does not allow patients to obtain services outside its preferred network of doctors and specialists?
a. traditional
b. preferred provider organization (ppo)
c. point of service plan (pos)
d. health maintenance organization (hmo)

Explanation:

To solve this, we analyze each option:

• Traditional insurance (A) typically allows out - of - network care (with higher costs).
• PPO (B) allows out - of - network care, though in - network is cheaper.
• POS (C) offers some flexibility for out - of - network care (with referrals in some cases).
• HMO (D) requires patients to use providers within its network (except in emergencies), so it generally does not allow out - of - network services without specific exceptions.

Answer:

D. health maintenance organization (HMO)