Which of the following types of insurance reimburses the provider in full without billing the patient

Preferred provider organizations (PPOs) offer flexibility in choosing healthcare providers but typically require patients to pay a portion of the costs, such as copayments or deductibles. Although they negotiate discounted rates with providers, they do not fully reimburse providers without billing the patient.

Medicare is a federal health insurance program primarily for individuals aged 65 and older, which covers many medical expenses. However, it often involves out-of-pocket costs for patients, including deductibles and coinsurance, meaning that providers may not receive full reimbursement without billing the patient.

Health maintenance organizations (HMOs) provide comprehensive healthcare services for a fixed monthly fee, but typically require patients to pay copayments for services. While HMOs may cover a wide range of services, they do not consistently reimburse providers in full without involving patient billing.