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UHC – Which of the following is not a correct statement about in-network provider services?

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Member Doug enrolled in a Health Maintenance Organization (HMO) MA Plan. He saw an out-of-network doctor and received a bill for the entire cost of the visit. Doug called Medicare to complain and stated he was never told about these types of costs. What should the agent have explained better to Doug when he was enrolling in the plan? (Select 3)
That Doug must receive covered services from contracted network providers.
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That exceptions to the provider network requirement are emergency visits, urgent care and renal dialysis services, which can be obtained from out-of-network providers.
&
That in most cases, Doug will pay the entire cost of the service if he sees an out-of-network provider.