Multiple choice general knowledge

Which of the following plans are less flexible?

  1. indemnity plan

  2. Managed heath care plan

  3. LTC plan

  4. Short term Disability income coverage
Reveal answer Fill a bubble to check yourself
B Correct answer
Explanation

Managed healthcare plans (HMOs, PPOs with restrictions) limit provider choice and require referrals or network adherence, making them less flexible than indemnity plans. Indemnity plans allow visiting any provider without network restrictions or referrals. The managed care model trades flexibility for lower costs through negotiated provider networks.

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