Question

must choose a primary care physician (pcp)
can see any doctor in the network
need referral for specialist
large, nationwide network
usually less expensive
usually more expensive
health maintenance organization (hmo)
preferred provider organization (ppo)

Explanation:

HMOs require choosing a PCP and a referral for specialists, and are usually less expensive. PPOs allow seeing any doctor in the network, have a large nationwide network, and are usually more expensive.

Answer:

HMO: Must choose a primary care physician (PCP), Need referral for specialist, Usually less expensive.
PPO: Can see any doctor in the network, Large, nationwide network, Usually more expensive.