Ben's health coverage charges a low ($15)deductible each time he visits the doctor or hospital.Other than the low per-service deductible,there is very little cost sharing.However,Ben must go to the health care providers listed by the provider of the health coverage.If he goes to a provider that is not on the list,there is very little coverage.Which of the following types of entity most likely provides Ben's health coverage?
A)HMO
B)Blue Cross/Blue Shield association
C)Commercial insurer (major medical)
D)PPO
E)Fee-for-service indemnity plan

Question

Quizplus · Accepted Answer

HMOs (Health Maintenance Organizations) typically have low deductibles and little cost sharing, but they require members to use a network of approved healthcare providers. The other options listed, such as Blue Cross/Blue Shield and commercial insurers, may offer various types of plans with different levels of cost sharing and provider networks, but HMOs are the most likely to match the specific characteristics of Ben's health coverage.

Ben's Health Coverage Charges a Low ($15)deductible Each Time He