Final answer:
A fee-for-service plan best describes the student's scenario, but among the listed options, a Preferred Provider Organization (PPO) best matches the described flexibility in choosing healthcare providers.
Step-by-step explanation:
The type of health-insurance plan that allows you to use any medical provider you choose and then submit a bill to an insurance company is a fee-for-service plan, which is not explicitly listed as an option among those provided (PPO, HMO, EPO, POS). However, a Preferred Provider Organization (PPO) is the closest match to the described plan, as PPOs often provide more flexibility in choosing healthcare providers and services than HMOs, EPOs, or POS plans. Under a PPO plan, you have the ability to visit any healthcare provider, but you will receive the highest level of insurance benefits when you use providers within the plan's preferred network. If you choose to go outside the network, the insurance company will still pay a portion of the cost, but you may incur higher out-of-pocket expenses such as higher deductibles and copayments.