Pharmacy Technician PTCB Practice Test

Which statement is true of PPO (preferred provider organization) plans?

1. PPO plans often require members to select a primary care physician (PCP) who acts as a 'gatekeeper' to direct access to medical services.

2. PPO members are no reimbursed for using medical care providers outside of their network of designated doctors and hospitals.

3. PPO membership provides a substantial discount below the regular rates of the medical professionals who are in the network.

4. PPO plans usually have lower premiums than HMO.

The correct answer is: PPO membership provides a substantial discount below the regular rates of the medical professionals who are in the network.

The correct statement regarding PPO (preferred provider organization) plans is C. PPO membership provides a substantial discount below the regular rates of the medical professionals who are in the network. This is one of the key features of PPO plans - members can receive care from a wide network of healthcare providers at discounted rates compared to what they would typically be charged if they were not part of the PPO network. Options A, B, and D include characteristics that are not typically associated with PPO plans. A primary care physician (PCP) acting as a gatekeeper is more common in HMO (Health Maintenance Organization) plans (option A), while PPO members do have the flexibility to seek medical care outside of the network, however, they might not be fully reimbursed for such services (option B). Additionally, while PPO plans can offer cost savings, they may not always have lower premiums than HMO plans (option D).