How do HMO and PPO plans typically differ regarding networks and referrals?

• A. HMO plans generally offer more in-network freedom and never require referrals.
• B. PPO plans require PCP referrals for specialists.
• C. HMO usually requires in-network care and PCP referrals; PPO generally offers more in-network freedom and often does not require referrals for specialists.
• D. PPO plans always require referral for any specialists.

Answer: (C)