Which of the following MCO plans allows members to see out-of-network providers with approval from their primary care physician (PCP)?

The correct choice is based on the distinguishing features of the various managed care organization (MCO) plans. In the case of PPOs (Preferred Provider Organizations), members are provided with greater flexibility in choosing healthcare providers. Specifically, PPO members can see out-of-network providers, albeit at a higher cost compared to in-network providers. This aspect of the plan is particularly appealing for those who desire more freedom in managing their healthcare.

In contrast, other types of plans like HMOs (Health Maintenance Organizations) typically require members to select a primary care physician and obtain referrals for specialist services, generally limiting options to a defined network of providers. POS (Point of Service) plans do offer some flexibility as well, allowing access to out-of-network services but usually requiring that members get a referral from their PCP. Exclusive provider organizations would restrict members to using only in-network providers, without the option to go out-of-network, even with a referral.

Thus, the structure of PPOs best supports the ability to see out-of-network providers with appropriate cost considerations and no requirement for a referral, making it the correct answer.