Praxis 5857 Practice Test Practice Question
Which of the following is a health insurance plan that allows a person to see a within-network doctor for a low copayment or an out-of-network doctor for a reimbursed percentage of the cost of the visit?
Correct Answer: A
Rationale: A Preferred Provider Organization (PPO) offers flexibility in choosing healthcare providers, allowing individuals to visit in-network doctors for lower copayments or out-of-network doctors at a reimbursed percentage of the cost.
A Health Maintenance Organization (HMO) typically requires members to use a network of doctors and does not provide out-of-network coverage. A Traditional Health Insurance Program often involves higher deductibles and less focus on network restrictions. A Point-of-Service (POS) plan combines features of HMOs and PPOs but generally requires a primary care physician referral for out-of-network visits, which is not the case for a PPO.
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