New York Insurance Exam Practice Question
Which of the following is a feature of a PPO health plan?
Correct Answer: C
Rationale: A PPO health plan is characterized by greater flexibility in choosing providers, allowing members to see specialists without a referral and access both in-network and out-of-network providers.
Option A is incorrect because PPOs do not require members to select a primary care physician, unlike HMOs. Option B is misleading; while PPOs have a preferred provider network, they also allow members to seek care outside this network. Option D is inaccurate, as PPOs provide coverage for out-of-network services, albeit at a higher cost. Thus, the hallmark of a PPO is the flexibility it offers in provider choice.
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