__ is a flat fee the insured must pay ($20 to $30) to receive any health service. deductible pay first provision coinsurance copayment A friend of yours is worried about a particular illness that runs in his family. He recently reached out to you about his cafeteria plan that he received from work. His family doctor has done a great job of treating members in his family. In the event that he should suffer with the same illness, he would like to know which of the following options allows the insured to use the services of different hospitals, clinics, and doctors without prior permission? Preferred provider organization Health management organization Managed care plan Point of service plan