Select the correct answer.

Question

Caleb wants a health insurance plan that allows him to choose the doctors he wants to see. He's willing to pay higher premiums in order to have that flexibility. Which type of health insurance plan would be best for Caleb?

A.
Catastrophic
B.
Exclusive provider organization
C.
Health maintenance organization
D.
Preferred provider organization

Answer 1

The best type of health insurance plan for Caleb, who wants the flexibility to choose his doctors and is willing to pay higher premiums, would be:

D. Preferred provider organization (PPO)

PPOs typically allow members to see any doctor or specialist without a referral, and while they have a network of preferred providers, they also offer the option to see out-of-network providers, often at a higher cost.