New York Insurance Exam Practice Question
Which type of health insurance plan requires referrals for specialists?
Correct Answer: B
Rationale: Health Maintenance Organizations (HMOs) typically require patients to obtain referrals from their primary care physician before seeing a specialist. This model emphasizes coordinated care and cost management.
In contrast, Preferred Provider Organizations (PPOs) allow patients to see specialists without referrals, offering more flexibility. Point of Service (POS) plans combine features of both HMOs and PPOs, where referrals are needed for in-network specialists but not for out-of-network providers. High-deductible health plans focus on cost-sharing and do not inherently dictate referral requirements, making them unrelated to this question.
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