In Many Cases, the Point of Service and Individual Practice

In many cases, the point of service and individual practice association are very similar from the point of view of the patients, except that when the point of service is based on a preferred provider organization rather than a health maintenance organization, there is:

A) more access to out-of-network providers.
B) more paperwork involved in the process.
C) more than one gatekeeper involved, which increases the cost of service.
D) a risk that the patient may have to pay from his or her own pocket.
E) less access to out-of-network providers.