When physicians, hospitals, and other health care providers contract with one or more HMOs or directly with employers to provide care, it is called a(n)

A. health maintenance plan.
B. physician hospital organization.
C. fee-for-service plan.
D. indemnity plan.
E. open access plan.

B. physician hospital organization.

In many areas, physicians and hospitals join forces to negotiate with the HMOs or large employers to provide care. A fee-for-service plan and an open access plan focus on patient choice, while an indemnity plan is a more traditional insurance plan, sometimes called fee-for-service.