Point of Service (POS) Plans A type of plan in which you pay less if you use doctors, hospitals, and other health care providers that belong to the plan’s network. These plans are known as point-of-service plans because each time you need health care (the time or “point” of service), you can decide to stay in-network and allow your primary care physician to manage your care, or you can decide to go outside of the network on your own without a referral from your primary care physician. The POS is based on a managed care foundation—lower medical costs in exchange for more limited choice. A point-of-service plan (POS) is a managed-care health insurance plan that provides different benefits for using in-network or out-of-network providers. In general, a Point of Service (POS) health insurance plan provides access to health care services at a lower overall cost, but with fewer choices. It combines characteristics of the health maintenance organization (HMO) and the preferred provider organization (PPO). Plans may vary, but in general, POS plans are considered a combination of HMO and PPO plans. POS plans also require you to get a referral from your primary care doctor in order to see a specialist. But POS health insurance does differ from other managed care plans. Like an HMO, participants designate an in-network physician to be their primary care provider.
There are POS plans that don’t require you …
Point-of-Service Plan. POS, or point-of-service, health insurance plans may not be as familiar as their cousins, health maintenance organizations, or HMOs. 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 … A point of service plan is a type of managed care health insurance plan in the United States. A POS plan is a type of Medicare Advantage Plan that enables you to visit physicians and hospitals outside your network for certain covered services, though it normally leads to a higher co-payment or co-insurance cost. A POS health plan stands for "point of service" and is a mix between an HMO and a PPO-style health insurance policy. With a POS health plan, you have more choices than with an HMO. But like a PPO, patients may go outside of the provider network for health care services. A point-of-service plan (POS) is a type of managed care plan that is a hybrid of HMO and PPO plans.
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