Which of the following health plans limits your choice of doctors to those under contract with the plan?

Answer 1

This is a broad question, because in some respects, all health plans do. That is, a physician may not choose to participate with a particular provider, so you may be limited for that reason.

However, what you may be getting at is whether the health plan itself may limit your choice. The answer to that is that your choice will be limited to those providers who are expressed a willingness to, and who have been accepted to be panel participants. In part, this involves possessing required credentials, but also, a willingness to accept as payment that which the plan pays for particular procedures. There can be exceptions made so as to use providers that are not otherwise "on the panel", but these are generally made on a case by case basis.

Some forms of Heath Maintenance Organizations (HMOs) are very limiting in whom you may use as a provider; other forms are more lenient and allow more choice and flexibility. Another type of health delivery system, called a Preferred Provider Organization (PPO) allows still more choice, and a true indemnity plan provides the greatest choice. All of these have benefits and drawbacks, costs being one of them. In choosing one, it is necessary to consider not just the monthly premium, but also the scope of coverage provided, but also maximum limits (annual and lifetime), deductibles, and copayments.

In all events, you must be careful to enroll only in a licensed plan. Since all of these are risk-bearing entities (essentially, insurers), they must be licensed in the states in which they do business. The insurance regulator regulates many aspects of their operation, particularly, solvency.

Answer 2

Hmo plan