13. Which of the following statements concerning point-of-service plans is correct? A. A member of a point-of-service plan can never go outside the plan's network without informing the plan. B. They are hybrid arrangements that combine aspects of an HMO with a PPO. C. The term point-of-service implies a lesser degree of managed care than is found in most PPOs. D. They prohibit treatment outside an exclusive-provider network unless the network does not contain an appropriate specialist.