Illinois Health Insurance Practice Exam

HMOs have the greatest restrictions on where the insured can go for service. This is because Health Maintenance Organizations (HMOs) typically require insured individuals to choose a primary care physician (PCP) from a network of healthcare providers and seek referrals from the PCP to see specialists or receive certain medical services. In contrast, other types of health insurance plans may offer more flexibility in choosing healthcare providers without the need for referrals.