6. The primary difference between health maintenance organizations and preferred provider organizations is that A) PPOs are less costly than HMOs B) HMOs are more flexible than PPOS C) HMOs offer mental health services while PPOs do not D) PPOs allow patients to choose from a list of doctors without referrals E) None of the above. 7. The administration of life insurance policies is similar to health insurance policies for all of the following EXCEPT: (A) Use of medical examination (B) Premium collection (C) Policy issue (D) Application (E) Claims administration 8. One consumer criticism of group HMOs is: a. They encourage unnecessary consumption of hospitalization and surgery. b. They provide broad coverage. c. They finance and provide care. d. They set capitation fees. e. none of the above. 9. Managed care is characterized by governmental delivery of health care b. the employer is require to provide a minimum level of health benefits for their employees c. a complete merging of the delivery and the financing functions of health care d. the elimination of patients' choice regarding doctors e. None of the above a. 10. Which of the following statements about employee group medical coverage is false? a. Coverage for dependents will generally require an additional contribution from the worker as compared to coverage for the employee only. b. All workers can obtain coverage under the plan. c. Employees choosing the same plan will typically make the same contribution even if their expected claim costs are different. d. If you and your spouse both have coverage from your respective employers, you cannot receive benefits from both of them for the same covered medical expense. None of the above e