Which plan is characterized by allowing access to both in-network and out-of-network providers with a fee-for-service model and discounts for in-network care?

Prepare for the Business of Healthcare and Health Policy Test. Study with multiple choice questions and explanations to ace your exam!

A PPO lets you choose freely among providers, inside or outside the plan’s network, while paying less when you stay in-network because of negotiated discounts. The fee-for-service aspect means the plan pays providers per service, with you covering deductibles and coinsurance; in-network care is cheaper due to those negotiated rates, while out-of-network care is still covered but at higher cost and often with less favorable reimbursement. This combination—network flexibility with in-network discounts and a fee-for-service payment structure—best matches the description. Not typically an HMO, which restricts to in-network providers and usually requires a primary care referral; not an EPO, which generally doesn't cover out-of-network care; and not short-term insurance, which is temporary and usually has narrower networks.