Which of the following is (are) characteristic of health maintenance organizations (HMOs)? (Check all that apply.) emphasis on preventive care compensation of providers using modified fee-for-service fixed, prepaid monthly premiums restrictions on the insured's choice of doctors and hospitals direct access to medical specialists by HMO members Which of the following is (are) characteristic of health maintenance organizations (HMOs)? (Check all that apply.) emphasis on preventive care compensation of providers using modified fee-for-service fixed, prepaid monthly premiums restrictions on the insured's choice of doctors and hospitals direct access to medical specialists by HMO members