From the Insured's Perspective, a Major Disadvantage Typically Associated with an HMO

From the insured's perspective, a major disadvantage typically associated with an HMO is that

A) high deductibles and coinsurance percentages are typically associated with an HMO,
B) limitations are placed on the selection of physicians,
C) most medical specialties are not usually represented in an HMO,
D) surgical expenses are generally not covered by an HMO.