A health maintenance organization, or HMO, is a group insurance policy in which covered members must get referrals from a primary care physician to see a specialist. Relative to other group policies, such as PPO and POS, HMOs offer financial savings and preventative health advantages. However, they present several restrictions for members.
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Level 3 - Postconventional morality
Individual judgment is based on self-chosen principles, and moral reasoning is based on individual rights and justice. According to Kohlberg this level of moral reasoning is as far as most people get.
Both (animal) and human activities contribute to land pollution.
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They can use scientific journals, presentations during meetings, or just directly towards the public.
