Point Of Service Insurance (POS)
Point of Service (POS) plans are similar to both PPO and HMO plans. As with Preferred Provider (PPO) plans, POS health insurance plans are directed towards a network of contracted doctors, hospitals and clinics for your healthcare, but you can pay a larger out-of-pocket fee to visit an out-of-network provider. In line with the managed care policies of an HMO, your healthcare is administered according to a healthcare professional. With a Point of Service plan your primary doctor oversees your medical care and refers you to contracted specialists when the need arises. POS plans promote health and wellness through prevention and education, in addition to treatment.
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