Ben's health coverage charges a low ($15) deductible each time he visits the doctor or hospital. Other than the low per-service deductible, there is very little cost sharing. However, Ben must go to the health care providers listed by the provider of the health coverage. If he goes to a provider that is not on the list, there is very little coverage. Which of the following types of entity most likely provides Ben's health coverage?
a. HMO
b. Blue Cross/Blue Shield association
c. commercial insurer (major medical)
d. PPO