Arkansas Insurance Adjuster Practice Exam

Which type of healthcare provider does Sarah belong to, considering she had to pay additional costs for seeing an out-of-network specialist?

1. Health Maintenance Organization

2. Preferred Provider Organization

3. Exclusive Provider Organization

4. Point of Service Plan

The correct answer is: Preferred Provider Organization

Sarah belongs to a Preferred Provider Organization (PPO) healthcare provider. This is because she had to pay additional costs for seeing an out-of-network specialist. A Health Maintenance Organization (HMO) typically does not cover out-of-network providers, while an Exclusive Provider Organization (EPO) may not cover any out-of-network providers at all. A Point of Service (POS) plan may cover out-of-network providers, but typically at a higher cost than in-network providers. Therefore, of the options provided, the most likely option for Sarah is a PPO.