Question

Access to the care of specialist physicians is limited in which of the following types of health plan?

A) Point of service plan
B) Conventional indemnity plan
C) Preferred provider organization
D) All of these are correct.
E) None of these is correct.

Answer 1

A) Point of service plan. Access to the care of specialist physicians is limited in Point of Service (POS) plans.

Step-by-step explanation:

In the context of health plans, access to the care of specialist physicians is limited in Point of service (POS) plans.

POS plans allow members to choose between in-network and out-of-network providers. However, in order to see a specialist, the member typically needs a referral from their primary care physician. Without a referral, the member may face higher out-of-pocket costs or no coverage for specialist visits.

In contrast, Conventional indemnity plans and Preferred provider organizations (PPOs) generally do not require referrals and offer more flexibility in accessing specialist care.

Therefore, the correct answer is (A) Point of service plan.