Which of the following is not a disadvantage of an HMO plan versus a PPO plan?
◦ The HMO plan may be less expensive.
◦ The HMO plan is more restrictive on which doctors the patient is able to use.
◦ The HMO plan often requires a referral in order to see a specialist.
◦ The HMO plan is generally more expensive for the same level of coverage.