Understand the difference between exclusive provider organizations and point of service providers * don’t answer if you don’t know *

For Exclusive Provider Organization (EPO) the correct answer is: "does not cover out of network providers". In this insurance plan a primary care provider is not necessary, but health care providers should be chosen from a predetermined network. It does not cover out of network providers, and in order to see one, you would require a pre-authorization.

For the Point of Service (POS) the correct answers are: "is a HMO / PPO hybrid", "selects a primary care physician" and "costs more to see out of network providers" . Like a Health Maintenance Organization (HMO), in this type of plan it is necessary to select a primary care provider or physician, but like a Preferred Provider Organization (PPO), the patients could go outside of the network for health care services, however it would cost more.

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biological/genetic factors means they were born or predisposed to have something. nothing can really change it, and you can't really do much to "fix" it. it isn't something learned

these are the biological factors:

adrian is relatively tall and he is on the basketball team

(adrian can't ever stop being tall or force himself to be tall. likely one or both of his parents are tall as well and they passed on the tall gene. he probably does basketball because he is tall)

the rest are environmental/cultural factors. these are things that are taught to us. for example, cynthia wasn't born saving pocket money, her family most likely taught her this (environmental factor)

hope this !