Zing Deep Dive Practice Exam

PSP plans are categorized as Health Maintenance Organizations (HMO) because they generally require members to choose a primary care physician (PCP) and obtain referrals from that PCP to see specialists. This structure emphasizes preventative care and often involves a limited network of providers to manage costs effectively. Members typically pay lower premiums and out-of-pocket costs with an HMO, but they also have less flexibility in choosing healthcare providers compared to other plan types, such as PPOs or EPOs. The focus on coordinated care and a defined network of providers aligns well with the characteristics of HMO plans, making this categorization appropriate.