Dani has a new employer and must choose the health insurance plan which is best for her. She would like to keep her costs down for deductibles, coinsurance, and copayments. She currently only sees one doctor, her primary care physician, who is "in network" for the plan she is considering. She does not anticipate needing to see any specialists, but if so, she is willing to obtain a referral.

Which type of health insurance plan would be best for Dani?

A. A Health Maintenance Organization (HMO)
B. An Exclusive Provider Organization (EPO)
C. A Preferred Provider Organization (PPO)
D. A Point of Service Plan (POS)​