Answer:
David is most likely a member of a managed care health insurance plan that has a network of healthcare providers.
Step-by-step explanation:
Managed care is a type of health insurance plan that emphasizes cost control and coordination of care. These plans typically have a network of healthcare providers, including hospitals, clinics, and individual healthcare providers, that have contracted with the insurance company to provide services to plan members at a discounted rate.
If David uses an in-network provider of his employer's managed-care health organization, he pays lower fees than if he uses an out-of-network provider. This is because in-network providers have agreed to accept a contracted rate for their services, which is typically lower than their usual fees. Out-of-network providers, on the other hand, have not contracted with the insurance company and may charge higher fees, or their services may not be covered under the plan at all.
Therefore, based on the information provided, David is most likely a member of a managed care health insurance plan that has a network of healthcare providers, and he is taking advantage of the lower fees offered by using an in-network provider.