Which type of health insurance provider generally does not allow patients to obtain services outside its perferred network of doctors and specialists a: traditional b: preferred provider organization c: point of service plan d: health maintenance organization

B: preferred provider organization

Explanation:

A preferred provider organization, or PPO, is a type of managed health care organization that is often offered as part of health insurance coverage in the United States. The basic concept of this approach is to offer members of the insurance plan access to highly qualified medical professionals who have also agreed to take care of all plan members at reduced prices. While the exact structure of the PPO will vary somewhat from one provider to another, most plans of this type provide greater benefits if the member uses the doctors and health centers that are part of the network. A reduced benefit is often available if the member uses a doctor or facility that is not considered part of the network.

A point in the service plan that is structured as a preferred provider organization is available in multiple configurations. Group insurance plans offered through employers and other types of organizations often use this model. People who wish to secure personal health insurance coverage also often offer this type of plan. Many people prefer this approach because it provides the ability to choose and choose their health care providers from the list of doctors provided by the insurance provider. This is in contrast to most HMO or health maintenance organizations, where plan administrators assign the member to a primary care physician.