PSI Ohio Insurance Practice Exam

Which type of health insurance coverage typically requires the patient to select a primary care physician?

1. PPO

2. EPO

3. HMO

4. FFS

The correct answer is: HMO

The health insurance coverage that typically requires the patient to select a primary care physician is the health maintenance organization (HMO). This model is designed to provide comprehensive care through a network of providers. By assigning a primary care physician, HMOs facilitate coordinated and managed care, ensuring that patients receive appropriate treatments and referrals to specialists when necessary. With an HMO, the primary care physician acts as a gatekeeper, guiding the patient's healthcare decisions and managing their overall care. This approach not only helps in streamlining services but also focuses on preventive care, which can lead to better health outcomes and reduced overall costs for both patients and the insurance model.