Some health plans adhere to an “all products” policy that requires that physicians who contract with them for one of their products, such as a Preferred Provider Organization (PPO), also join all the plan’s other current and future products, including its Health Maintenance Organization (HMO) and morerecently, its Medicare and Administrative Services Only (ASO) lines, its workers’ compensation panel, its health savings account qualified high deductible health plan (HDHP), and/or its California Health Benefit Exchange (“Exchange” or “Covered California”) product. Physicians who refuse to comply with this all products” policy may be terminated from the PPO. 1 “All Products” clauses raise greater financial concerns now as more Medicare beneficiaries are becoming enrolled in Medicare Managed Care plans under the Medicare Advantage program and as the state expands Medicaid coverage to low-income adults. If physicians are forced to participate in plans such as Medicare Advantage, they may be receiving less than official Medicare rates. Because of the importance of this issue, the AMA has made efforts to clarify this issue with the Medicare Program. For more information, see