Final answer:
Bob Johnson would likely be charged $0 for his visit to a participating HMO provider for a checkup and a flu shot, as these are preventive services usually covered in full by HMO plans.
Step-by-step explanation:
Bob Johnson visits his participating HMO provider for a checkup and a flu shot. The allowed charge for a checkup is $80, which is what the insurance has agreed to pay, and the physician's usual fee for the checkup is $85. Since the allowed charge is less than the physician's usual fee, Mr. Johnson would not be responsible for the difference if the provider is in-network with the HMO, which typically covers the full allowed cost for such preventive services.
Similarly, the allowed charge for the flu shot is $50, and the physician's usual fee for it is $40. Here, the allowed charge is more than the physician's fee, so the physician will receive the lower of the two amounts, which is their usual fee of $40. Assuming the flu shot is also a covered preventive service, Mr. Johnson would again not be responsible for these costs.
Therefore, considering the HMO's coverage for preventive services like checkups and flu shots, Mr. Johnson would likely be charged $0 for the visit, as the allowed charges for both services fall under the type of care often fully covered by an HMO plan.