Health and Life Insurance

Answer: C - An open ended HMO plan is a hybrid arrangement to use non-HMO providers. Under the open ended HMO plan, members can use outside providers that are not part of their HMO at any time. Members will receive indemnity benefits and can be subject to higher deductibles and coinsurance amounts. This arrangement allows members to choose their health care provider but can cost both the member and employer more money.