Frannie, as the head of the Human Resources department, would most likely work with an HMO healthcare provider on a daily basis. This is because she would need to coordinate employee health benefits and ensure compliance with health regulations, which involves interacting with healthcare providers.
While she may occasionally interact with clients of her company, clients of competing companies, or a private accounting firm for specific reasons (like payroll or financial consultation), the HMO healthcare provider is the most relevant choice related to her role in HR.