Charlie has a new employer and must choose the health insurance plan which is best for him. Cost for deductibles, coinsurance, or copayment are not a huge concern, but he would like to keep them down if possible. He sees multiple doctors and specialists, but they are all "in network" for the plan he is considering. He would like to avoid the hassle of obtaining a referral when he needs to see his specialists. Which type of health insurance plan would be best for Charlie? A Health Maintenance Organization (HMO) An Exclusive Provider Organization (EPO) A Preferred Provider Organization (PPO) A Point of Service Plan (POS)