Question

An organization that offers health insurance at a fixed monthly premium with little or no deductible and works through a primary care provider is called a(n)_______________.

1) Preferred provider
2) Health maintenance organization
3) Member physician
4) Private health provider

Answer 1

2) Health maintenance organization

A health maintenance organization (HMO) offers health insurance with a fixed monthly premium and little or no deductible, focusing on preventive care and using a network of providers.

Step-by-step explanation:

An organization that offers health insurance at a fixed monthly premium with little or no deductible, and works through a primary care provider is called a health maintenance organization (HMO).

Unlike the fee-for-service system where medical care providers are paid according to the services they provide, an HMO receives a fixed amount per person enrolled in the plan, regardless of how many services are provided.

This model prioritizes keeping people healthy and may involve a network of doctors and facilities that plan members are required to use.