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HMO focuses on preventative medicine and seeks the role of the primary care physician (PCP). HMOs are structured into “in-network providers” and patients
pay a monthly fee to an insurance company to see one Physician within the network. If a patient needs to be referred to a specialist for further care, the PCP
acts as the gatekeeper to other physicians within the network. According to Betman (2022), “one advantage of HMOs is low out-of-pocket costs for the
patient.” Discuss.

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