All are true of hmo subscribers, except:
a. subscribers do not pay a copayment
b. subscribers do not receive a bill
c. subscribers do not file claims
d. subscribers do not pay deductibles

All are true of HMO subscribers, except subscribers do not receive a bill.

When one individual is an member of HMO , he or she should be taken care by primary care physician before consulting the specialist.

The HMO plans decreases the health care expenses. The subscriber does not require to pay the deductible and the co-payments which will also be very less due to the membership. The subscriber cannot apply for claims when they consult out of network providers or without proper reference from our own primary care physician. Hence the left-out option would be that they would not receive the bill.