Vanessa has health insurance through her employer. She needs to see a specialist regarding a suspicious growth on her leg. She finds a doctor that is just down the road from her apartment, but is not within her plan's network of providers, and she does not have a referral or even a named primary care physician. She's still able to see the physician, but is required to pay a little more upon doing so. For what type of manage care plan did Vanessa likely sign up?

A. An HMO plan

B. A PPO plan

C. An OON plan

D. A Catastrophic plan