Arkansas Life and Health Insurance Practice Exam

Question: 1 / 400

Which of the following is true regarding HMO health insurance?

It allows for high flexibility in choosing doctors

HMO health insurance stands for Health Maintenance Organization, which typically operates with a network of healthcare providers such as doctors, specialists, and hospitals. The correct answer is A because one of the key features of HMO plans is that they usually require you to choose a primary care physician (PCP) from within the network. This PCP coordinates your care and provides referrals to see specialists within the network when needed. This centralized approach helps in managing healthcare costs and ensuring that individuals receive comprehensive and coordinated care.

Option C is incorrect because, as mentioned earlier, HMO plans do require a primary care physician's referral to see a specialist. Option B is incorrect as HMO plans are generally less flexible than PPO (Preferred Provider Organization) plans because they typically require you to stay within the network for coverage. Option D is also incorrect as HMO plans usually require you to use approved providers within their network for full coverage.

Get further explanation with Examzify DeepDiveBeta

It's more flexible than PPO plans

It requires a primary care physician's referral to see a specialist

It doesn’t require using any approved providers

Next Question

Report this question

Subscribe

Get the latest from Examzify

You can unsubscribe at any time. Read our privacy policy