Keira Is a Health Maintenance Organization Subscriber

Keira is a health maintenance organization subscriber.She sees a specialist without a referral from the health maintenance organization.Which of the following will most like follow?

A) Keira can sue her primary physician (and win) if the specialist thinks that her health condition required specialist attention.
B) Keira will have to bear a partial cost for the visit (according to coinsurance provisions) if the specialist thinks that the visit was essential.
C) Keira will not be allowed to visit her primary physician because she went to the specialist without his or her permission.
D) Keira's insurer will bear the entire cost of the specialist if it is proven that the visit was essential, and lack of it would have adverse effect on Keira's health.
E) Keira will be responsible for paying the specialist for the full cost of care.