Origin: When was the model first used? What kind of payment system is used, such as prospective, retrospective, or concurrent? Who pays for care? What is the access structure, such as gatekeeper, open-access, and so forth? How does the model affect patients? Include pros and cons. How does the model affect providers? Include pros and cons. Health maintenance organization (HMO) Indemnity Consumer-directed health plan Point-of-service Preferred provider organizations Health savings account
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