New York Insurance Exam Practice Question
Which type of health insurance plan has no provider network restrictions?
Correct Answer: D
Rationale: Indemnity plans offer the most flexibility, allowing patients to see any healthcare provider without network restrictions, which is why they are the correct choice.
A: HMO (Health Maintenance Organization) plans require members to choose a primary care physician and obtain referrals for specialists, limiting provider options.
B: PPO (Preferred Provider Organization) plans provide more freedom than HMOs but still encourage using a network of providers for lower costs.
C: POS (Point of Service) plans combine features of HMOs and PPOs, requiring referrals but allowing out-of-network care at a higher cost.
Indemnity plans stand out for their unrestricted access to providers.
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