HMOs differ from fee$-$for$-$service plans in all of the following ways except

HMOs offer prepaid services while fee$-$for$-$service plans operate on a reimbursement basis.

HMOs include the use of primary care physicians as a cost$-$control measure.

Co$-$insurance and copayment rates are generally lower in HMO plans than in fee$-$for$-$service $p$

Deductibles are generally lower in fee$-$for$-$service plans than HMO plans.