Similar to PPOs in that it allows members to choose "in network" providers or, for a lower level of benefit, go "out of network". There is a requirement for a Primary Care Physician who directs all the patient's care within the network. Small co-pays and no claim forms apply for "in network" services. Deductible/coinsurance/ claim forms apply "out of network".
A managed care model sometimes called an open-ended HMO, where patients pay an additional fee for care outside the HMO network.
an open access plan that provides the opportunity to use either network or non-network health care providers