Ben's (aged 40)health coverage charges a low ($15)deductible each time he visits a doctor or hospital.Other than the low per-service deductible,there is very little cost sharing.However,Ben has the advantages lack of deductibles,few or no exclusions,and not having to file insurance claims.Which of the following most likely provides Ben's health coverage?
A)HMO
B)Blue Cross/Blue Shield association
C)Commercial insurer (major medical)
D)Medicare
E)Fee-for-service indemnity plan

Question

Quizplus · Accepted Answer

Ben's health coverage is most likely provided by an HMO (Health Maintenance Organization) because HMOs typically have low deductibles, minimal cost-sharing, no need to file claims, and often cover a wide range of services with few exclusions.

Ben's (Aged 40)health Coverage Charges a Low ($15)deductible Each Time