Ben (Age 40) Pays a Low ($15) Co-Payment Each Time

Multiple Choice

Ben (age 40) pays a low ($15) co-payment each time he visits a doctor or hospital. Other than the low per-service deductible, there is very little cost sharing. However, Ben has a relatively low deductible, has no exclusions, and does not have to file insurance claims. Which of the following most likely provides Ben's health coverage?

A) Health maintenance organization (HMO)
B) Blue Cross/Blue Shield plan
C) Preferred provider organization (PPO)
D) Medicare
E) Fee-for-service indemnity plan