D is the correct answer to this question
It depends what way u make it u can make one in 5 min but u can also do one that takes longer
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.
