Arkansas Insurance Adjuster Practice Exam

Nick's health insurance policy through an HMO differs from Charity's PPO plan through her employer in that:

1. Nick was assigned a primary care physician who must coordinate his health care within a network, but Charity may choose a primary physician outside the network.

2. Nick's plan allows him to go to any hospital for emergency services, but Charity is restricted to approved hospitals within the network.

3. Nick has a higher level of flexibility in choosing his health care than Charity, but Charity has lower medical costs than Nick.

4. Nick's policy was automatically accepted by his insurer, but Charity had to prove her current health status before being accepted.

The correct answer is: Nick was assigned a primary care physician who must coordinate his health care within a network, but Charity may choose a primary physician outside the network.

Nick's HMO policy differs from Charity's PPO plan in terms of how they each select their primary care physician and the network for their care. Nick was assigned a primary care physician and must coordinate his health care within a network, while Charity has the flexibility to choose her primary physician outside the network. This means that Nick's options for care may be more limited compared to Charity's, as she has access to more providers. The other options may seem similar, but they are not directly related to the main difference between Nick's HMO and Charity's PPO. For example, the difference in hospital choices for emergency services (option B) does not directly pertain to the selection of their primary care physician or their network. Similarly, the level of flexibility in choosing health care (option C) also does not directly address the difference in selecting a primary care physician. Finally, Charity's acceptance