The correct answer should be an offshore life jacket.
You should always have a certain type of PFD (personal flotation device) on your boat because it may happen that it can sink and then you are doomed if you don't have something to help you such as a PFD.
Answer:
The missing part of the question is if the statement is true or false.
It is true.
Explanation:
In an HMO (health maintenance organization) plan you select a primary care physician, who is your gatekeeper. This person will take care of your health and give you referrals to see a specialist or to run tests on you. Your referral is to a provider with your HMO network, if you see a doctor outside this network or without a referral, you have to pay all costs by yourself.
PPO (preferred provider organization) is a health care plan where it is not necessary to have a primary care physician, there are different professionals in your network, and you can see them without a referral or a previous appointment with your physician first. As long as you see professionals with your PPO network, you will pay cheaper fees, but if you choose to see a doctor that is not with your PPO network, you will have to pay more expensive fees.
In conclusion, members of HMO/PPO can use the plan or not, but if they do, they will pay lower fees.
