Which health care institution directly employs or contracts with selected medical care specialists to provide managed health care services in exchange for a fixed, prepaid monthly premium?

Question

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Health Maintenance Organizations (HMOs) directly employ or contract with selected medical care specialists to provide managed health care services in exchange for a fixed, prepaid monthly premium. The other options listed (Blue Cross, Blue Shield, Medicare, and Medicaid) are insurance programs that may or may not contract with specific medical care specialists, but they do not directly employ them to provide managed care services.

Which Health Care Institution Directly Employs or Contracts with Selected