Question

8 which type of insurance plan allows the subscriber to seek discounted medical treatment from doctors who have agreed to provide services at a discounted rate?

preferred provider organization plan
point of service plan
health maintenance organization plan
traditional healthcare plan

Explanation:

Analyze the question stem

The question asks for the type of insurance plan that allows subscribers to seek discounted medical treatment from a network of doctors who have agreed to provide services at a discounted rate.

Evaluate the options

Using the Managed Care Plans knowledge point

• Preferred Provider Organization (PPO) plan: This plan features a network of "preferred" providers who contract with the insurer to provide services at pre-negotiated, discounted rates. Subscribers can see these in-network doctors for lower out-of-pocket costs without needing a primary care physician referral.
• Point of Service (POS) plan: This plan combines elements of HMOs and PPOs, requiring a primary care physician referral for specialists but allowing out-of-network care at higher costs.
• Health Maintenance Organization (HMO) plan:

Using the Health Maintenance Organization knowledge point
This plan restricts coverage to care from doctors who work for or contract with the HMO, usually requiring a primary care physician referral and not focusing primarily on a broad "preferred provider" discounted network structure.

• Traditional healthcare plan: Also known as indemnity plans, these allow subscribers to see any doctor, and the insurer pays a set percentage of the fee, without pre-negotiated network discounts.

Select the correct option

The description matches a Preferred Provider Organization (PPO) plan.

Answer:

• (A) Preferred Provider Organization plan (Correct answer)
• (B) Point of Service plan
• (C) Health Maintenance Organization plan
• (D) Traditional healthcare plan