The correct answer to this question is B, a closed panel. HMO stands for health maitenance organization and is found in the United States. This closed panel is when doctors or other staff of the HMO belong to a group of doctors it contracts with.
Those insured must choose a doctor who has control of the staff both in and out of the group. Those who go out of the network in a closed panel are normally not reimbursed. Closed panels are beneficial to existing providers on the network, because it can give them more referrals. However, for the patients, closed panels can mean longer wait times and a longer distance to the doctor.