Final answer:
A member of a POS option to an HMO Option d: may see an out-of-network provider but will pay an increased co-pay compared to in-network services, facing higher out-of-pocket costs.
Step-by-step explanation:
Under the point of service (POS) options to health maintenance organizations (HMOs), a member may indeed see an out-of-network provider but will typically face an increased co-pay amount compared to in-network services. HMOs generally have a network of providers that members are expected to use. If a member chooses to go out of this network, the costs incurred may not be covered to the same extent as in-network services, leading to higher out-of-pocket expenses such as co-pays or co-insurance.
It's important to note that, unlike fee-for-service health financing where medical providers are reimbursed according to the services they provide, HMOs pay a fixed amount per person enrolled. This can influence the cost dynamic when choosing in-network or out-of-network providers. Additionally, with POS plans, there is often a deductible that must be paid out-of-pocket before the insurance coverage starts paying.