#2. When considering an HMO or PPO you should ask about:

a) any out of network benefits

b) the hospitalization rate or patients

c) the average age of the doctors

d) the average hospitalization bill

#3. A preferred provider organization (PPO):

a) enables participants to pay lower premiums than HMOs

b) uses a primary care physician

c) enables particpants to pay lower fees for health care services than HMOs