What is typically covered under a managed care plan?

Managed care plans are designed to provide comprehensive health services to members through a network of contracted healthcare providers. The network includes physicians, hospitals, and other healthcare professionals who have agreed to provide services at reduced costs. This arrangement not only helps control healthcare expenses but also ensures that members receive coordinated and efficient care.

The correct answer centers on the cost-saving aspect of the plan. Managed care aims to offer preventative services, routine care, and specialty care while keeping overall healthcare costs lower through negotiated rates with providers. This structure incentivizes members to utilize in-network services, which contributes to more predictable costs for both the insurer and the insured.

In contrast to other options, managed care does not limit coverage solely to emergency services or urgent care, nor does it typically cover all services without some restrictions. Additionally, while out-of-network services may be available, they generally come with higher out-of-pocket costs for the insured, which is different from the structured benefits offered within the network.