A nurse is working with a care manager for a client who participates in a health maintenance organization. The nurse should identify that a health maintenance organization provides which of the following payment structures?

The client is participating in a fee-for-service health care insurance program.

The provider is paid a fixed sum for the client on a monthly or yearly basis.

The client pays the insurer a percentage of the total costs for each service rendered by the provider.

The provider bills the client directly for a predetermined percentage of the cost of services.