I would say HMO. The reason is it says SELECTED physicians. An HMO is an in network where you can only go to certain doctors and facilities. In return the doctors receive a little less than what they would originally be paid by other insurances. PPO's you can go to any doctor you want, however the insurance may not cover as much. Hope this helped. I would go with HMO.
It depends on the question but if you have to guess just go with what seems more right to you and if you can defend an answer the teacher could count it right for you
