Which plan commonly covers 100% of in-network costs?

• A. Health Maintenance Organization (HMO)
• B. PPO
• C. Medicare
• D. NOCSAE

Answer: (A)

In this context, the plan that commonly covers in-network costs with minimal patient expense is the HMO. HMOs are designed to keep costs predictable by using a defined network of providers and typically require you to see those in-network doctors. They often have little to no deductible and charge fixed copays for visits and services, so once you’re within the network, your out-of-pocket costs for covered services are generally low and the plan pays the vast majority of those costs.

PPOs allow both in-network and out-of-network care, but you usually face higher cost-sharing for in-network services and can incur substantial costs if you go out of network, so they don’t typically provide 100% coverage for in-network costs. Medicare involves shared cost structures (premiums, deductibles, coinsurance) and does not automatically cover 100% of in-network services in the way an HMO often does. NOCSAE is not a health insurance plan at all, but a standards organization for sports equipment, so it isn’t relevant here.

So, the plan that best fits the idea of 100% in-network coverage is an HMO.