Which of the following statements is NOT correct about in-network provider services?

The statement that members have access to out-of-network providers at all times is not accurate, particularly in the context of many managed care plans. In most HMO (Health Maintenance Organization) plans, members are required to use a network of providers to get coverage for their healthcare services. These plans do not usually provide for out-of-network care, except in emergency situations.

In contrast, PPO (Preferred Provider Organization) plans do allow members to access both in-network and out-of-network providers, although utilizing out-of-network services often results in higher out-of-pocket costs. Therefore, the option accurately captures the restrictions commonly found in HMO plans regarding out-of-network access, distinguishing it from the flexibility typically enjoyed in PPO plans.