Which plan typically requires selecting a primary care physician to manage care?

Which plan typically requires selecting a primary care physician to manage care?

• A. POS
• B. HMO
• C. PPO
• D. Indemnity

Answer: (B)

The idea here is how care is coordinated. In this plan, you pick a primary care physician who acts as the main manager of your medical services. This doctor oversees your overall health care, provides and tracks treatments, and must authorize referrals to specialists or additional tests. That gatekeeping keeps care coordinated and costs predictable, and coverage typically sticks to in-network providers with limited or no coverage for out-of-network care except in emergencies. This approach—one doctor who manages and gates referrals—defines the plan type in question. Other plans allow you to see specialists without referrals or reimburse you more freely across providers, which is why they don’t fit the scenario.

The idea here is how care is coordinated. In this plan, you pick a primary care physician who acts as the main manager of your medical services. This doctor oversees your overall health care, provides and tracks treatments, and must authorize referrals to specialists or additional tests. That gatekeeping keeps care coordinated and costs predictable, and coverage typically sticks to in-network providers with limited or no coverage for out-of-network care except in emergencies. This approach—one doctor who manages and gates referrals—defines the plan type in question. Other plans allow you to see specialists without referrals or reimburse you more freely across providers, which is why they don’t fit the scenario.