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A patient is interested in a new health insurance plan with fixed payment rates. Which of the following options would be best suited for her?

Explanation

•A Health Maintenance Organization, or HMO for short, is a group of healthcare providers that have contracted with an insurance company to offer their services at a fixed price. Because of this, patients are required to select a primary care physician who is a member of the HMO to manage all aspects of their care.

Incorrect options:

•Preferred provider organizations provide health care services through select providers under contract with that organization.

•Private health insurers do not offer their services for a fixed price because they have not negotiated to do this.

•Catastrophic insurance is a high-deductible, low-premium plan intended for catastrophic illness.

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