Final answer:
Under Florida law, HMOs and PPOs must provide direct access to primary care physicians, specialists, and emergency rooms to their members.
Step-by-step explanation:
In Florida, Health Maintenance Organizations (HMOs) and Preferred Provider Organizations (PPOs) are mandated by law to provide their members with direct access to certain services. Specifically, Florida law requires that members have direct access to: primary care physicians, specialists, and emergency rooms. This ensures that patients can receive timely and appropriate care without unnecessary barriers or delays.