The main purpose of HMOs and PPOs is to

A) reduce health care costs for employers and their employees.
B) reduce medical malpractice suits.
C) enable groups of physicians to increase their fees.
D) direct patients to specialists rather than to more expensive primary-care physicians.

Preferred Provider Organizations

A managed care organization of medical doctors, hospitals, and other health care providers who have agreed with an insurer or a third-party administrator to provide health care at reduced rates to the insurer's or administrator's clients.

Health Maintenance Organizations

Managed care organizations that provide health insurance coverage to their members through a network of doctors, hospitals, and other healthcare providers.

Reduce Health Care Costs

Initiatives or policies aimed at lowering the expenses associated with medical care.