What type of health plan does J belong to if it contracts with doctors and hospitals to provide medical benefits at a preset price?

J belongs to a Health Maintenance Organization (HMO) because this type of health plan typically contracts with a network of doctors and hospitals to provide medical services at predetermined costs. Members of an HMO usually select a primary care physician and need referrals to see specialists. The HMO structure emphasizes preventive care and routine check-ups, encouraging members to seek care within the network to minimize out-of-pocket expenses. This model helps to manage healthcare costs effectively while ensuring coordinated care among providers, which aligns with the description given in the question.