Health and Life Insurance

Answer: C - HMOs focus on preventative medicine which leads to decreased health care costs for the industry and the consumer. Preventative medicine covers such things as routine physicals and well-child exams as well as diagnostic screenings, all paid in advance. Because these services are preventative in nature, the goal is to achieve lower or decreased costs by catching problems early. HMOs also provide for hospital, surgical, and medical treatment when needed.