You Are Discouraged to Find That, Although You Have Insurance

You are discouraged to find that, although you have insurance, you must pay out of pocket the first $5,000 of your health expenses each year before your insurance company begins to defray the costs. Which managed care option has the highest out-of-pocket requirement?

A) Preferred provider plan
B) High deductible health plan
C) HMO
D) Prospective payment plan