Question

jeanette has a health insurance plan that features a network of doctors and services, but she can go outside the plan without getting a referral from her primary care physician. this is an example of a
a. cobra plan
b. preferred provider organization (ppo)
c. medicare plan
d. health maintenance organization (hmo)

Explanation:

• COBRA plan: COBRA (Consolidated Omnibus Budget Reconciliation Act) is about continuation of group health coverage when employment ends, not about network - non - network doctor access.
• Preferred Provider Organization (PPO): PPOs have a network of providers. Members can see out - of - network providers without a referral, although they may pay more.
• Medicare plan: Medicare is a federal health insurance program for people aged 65 and older (and some younger people with disabilities). It has different parts (A, B, C, D) but the description in the question does not match Medicare's general access rules.
• Health Maintenance Organization (HMO): HMOs usually require a referral from a primary care physician to see a specialist or an out - of - network provider.

Answer:

B. Preferred Provider Organization (PPO)