In which plan do employees possess the option to receive care from health care providers outside the designated network of physicians,paying more for the choice?

Question

Quizplus · Accepted Answer

In point-of-service plans, employees have the flexibility to receive care from a provider outside the designated network of physicians, but they will have to pay more for choosing to do so. Fee-for-service plans also allow for out-of-network care, but they tend to have higher premiums and deductibles than POS plans. Preferred provider organizations (PPOs) offer some out-of-network coverage as well, but employees will generally pay less if they stay within the network of providers. HMOs typically only cover care delivered by a designated network of providers, with limited exceptions for emergencies and out-of-network care with prior authorization.

In Which Plan Do Employees Possess the Option to Receive