Which feature is characteristic of an HMO (health maintenance organization) plan?

Question

Accepted Answer

A primary care physician (gatekeeper) coordinates care, and specialist visits generally require a referral

Answer

Members may see any provider without a referral and receive the same level of benefits in and out of network

Answer

Out-of-network care is always fully covered at the same cost as in-network care

Answer

There is no requirement to select a primary care physician

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