Certified Revenue Cycle Representative (CRCR) Practice Exam

The type of healthcare insurance plan that provides comprehensive health maintenance and treatment services for a monthly fee is the Health Maintenance Organization (HMO). HMOs are designed to offer a broad range of healthcare services to their members for a fixed monthly premium, promoting preventive care and coordinated services. Members typically select a primary care physician who manages their healthcare needs and provides referrals to specialists within the network.

This type of plan encourages members to use the services of participating providers, which helps control costs and ensures a well-coordinated approach to medical care. In addition, HMOs usually emphasize preventive care, aiming to reduce the occurrence of serious health issues through routine check-ups and early intervention. This structure allows for more predictable healthcare costs for both the patient and the insurer.

Other options such as PPOs, MSOs, and GPOs serve different purposes within the healthcare system. A PPO, or Preferred Provider Organization, offers more flexibility in choosing healthcare providers but typically involves higher out-of-pocket costs compared to an HMO. MSOs, Management Services Organizations, are focused on providing support services to healthcare providers rather than delivering insurance. GPOs, Group Purchasing Organizations, are entities that help healthcare providers obtain medical products and services at lower costs but do not function as health insurance