Bill Clinton: “That's a good question. Let me try to answer it. First of all, every person will have at least three choices. Most…”

“That's a good question. Let me try to answer it. First of all, every person will have at least three choices. Most people will have more choices, but every person will have at least three. And so let me try to say what they would be. You can choose to stay in a traditional fee-for-service medicine. That is, you pick your doctor, and they charge you by the service. That may be more expensive, but it may not be if big networks of doctors get together to offer these services together. In that case, you would have a cardiologist and a pediatrician working together. Secondly, you could go into what's called a ``preferred provider organization'' which is normally an organization that is organized by health care managers but that have all kinds of special- ists in them. Thirdly, you can go into an HMO which will have a range of specialists, but it'll be a closed panel. That is, the people that work there will be on salary. So you may not have the specialists you want. In the first two cases, you'll probably be able to do exactly what you want for the price that you pay up front. In the third case, if you're in an HMO, you'll still be able--if you say, ``Look, my child is really sick, and I want this child to see a pediatrician who is not in this HMO who is in another State,'' you'll still be able to go to that other State, but that pediatrician will be reimbursed by your insurance plan only at the rate that the HMO pediatrician will be reimbursed, then you would pay the difference. But that plan will be the cheapest, so you'll come out about the same, no matter what. Mr. Koppel. We're going to take another short break.”