Which of the following types of plans are considered network-based plans?

Network-based plans refer to health insurance plans that operate within a specific network of healthcare providers. These plans typically have agreements with a network of doctors, hospitals, and other healthcare providers to deliver services at reduced rates to policyholders.

In this context, Health Maintenance Organizations (HMOs) and Preferred Provider Organizations (PPOs) are quintessential examples of network-based plans. HMOs require members to choose a primary care physician and receive referrals to see specialists within the network, emphasizing care coordination and typically lower costs for members who use network services. PPOs offer greater flexibility by allowing members to see any healthcare provider, but they incentivize using network providers through lower copayments and coinsurance.

Point of Service (POS) plans combine features from both HMOs and PPOs, allowing members the option to receive care from out-of-network providers at a higher cost, while also encouraging the use of the network. This characteristic further solidifies POS plans as network-based.

The other options contain plans that do not categorically fit into the definition of network-based plans. For example, Plans Like PFFS (Private Fee-for-Service) typically allow members to visit any Medicare-approved provider without a network restriction, thereby not being strictly network-based. High Deductible Health