A Point of Service (POS) plan has some of the qualities of HMO and PPO plans with benefit levels varying depending on whether you receive your care in or out of the health insurance company's network of providers.
How does a POS plan work?
POS plans combine elements of both HMO and PPO plans. Like an HMO plan, you may be required to designate a primary care physician who will then make referrals to network specialists when needed. Depending upon the plan, services rendered by your PCP are typically not subject to a deductible and preventive care benefits are usually included. Like a PPO plan, you may receive care from non-network providers but with greater out-of-pocket costs. You may also be responsible for co-payments, coinsurance and an annual deductible.
A POS plan may be right for you if:
You're willing to play by the rules and possibly coordinate your care through a primary care physician
Your favorite doctor already participates in the network (use our Doctor Finder tool to find out)
*Definitions may vary by plan provider. Please read the provider's Summary of Benefits.