A nurse is reviewing a client's health plan before the office visit. The client has a high-deductible health plan. Which best summarizes how this plan works?

Question

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High-deductible health plans are favored in small and large sized companies that often have saving plan options. The plan has higher deductibles and out-of-pocket maximum limits. Once these deductibles are met, the plan pays 100% of in-network health care. The plan allows for money to be set aside pre-taxed to be used for health care costs. Health Maintenance Organizations (HMOs) plans require all employees go to network providers to get medical care and services. HMOs will not cover out-of-network care except in an emergency. A Preferred Provider Organization (PPO) is a network of health care providers that provides its members with multiple choices regarding health care and health care providers. It offers the flexibility to use providers both in-network and out-of-network.

A Nurse Is Reviewing a Client's Health Plan Before the Office