Critics of Health Maintenance Organizations (HMOs)charge That

Critics of Health Maintenance Organizations (HMOs) charge that:

A) some HMOs deliberately overcharge patients
B) some HMOs whose physicians are paid on a capitation basis (fixed amount per patient) in effect encourage doctors to undertreat patients
C) some HMOs require their physicians to refer their patients to other physicians and hospitals when the medical treatment is not necessary.
D) some HMOs require their patients to seek a second opinion,resulting in a delay of treatment and payment.