Question

Which of the following statements best describes the difference between a health maintenance organization (HMO)

and a preferred provider organization (PPO)?
a. An HMO is paid a monthly premium for ongoing services while a PPO collects no money
until after services are rendered.
b. An HMO allows the insured individual to choose from a list of providers while a PPO assigns
the insured individual the provider nearest his or her residence.
c. An HMO requires the insured individual to go to a provider within their organization while a
PPO allows the insured individual the option to receive care from a non-preferred provider at
a higher cost.
d. An HMO is usually paid for by the insured individual's employer while a PPO usually
requires the insured individual to pay a co-pay or deductible for services.

Answer 1

The difference between HMO and PPO is that an HMO requires individuals to get health services within their network, while a PPO allows seeing non-preferred providers at an extra cost.

Step-by-step explanation:

The correct answer to the question is c. An HMO (Health Maintenance Organization) requires the insured individual to go to a provider within their organization for health care services, while a PPO (Preferred Provider Organization) allows the insured individual the option to receive care from a non-preferred provider at a higher cost. This means that under an HMO plan, patients have a limited choice of doctors and hospitals, and typically, you must choose a primary care physician (PCP) who coordinates all your health services. In contrast, PPO plans offer more flexibility and a broader network, allowing you to see specialists without a referral and to visit providers outside of the network, though this may involve additional costs. Both plans typically involve premiums, co-pays, or deductibles, and aren't defined by who pays for them, whether it's the individual or the employer.

Answer 2

c. An HMO requires the insured individual to go to a provider within their organization while a

PPO allows the insured individual the option to receive care from a non-preferred provider at

a higher cost.

by the way I'm not sure