What is the primary difference between a managed care organization's HMO and PPO in terms of network access and referrals?

What is the primary difference between a managed care organization's HMO and PPO in terms of network access and referrals?

• A. HMO typically requires in-network providers and primary care physician referrals.
• B. HMO offers more freedom to see out-of-network providers with higher cost sharing.
• C. PPO requires referrals for specialists in all cases.
• D. PPO restricts to in-network providers with no out-of-network option.

Answer: (A)