How does a POS plan work?

A POS (Point of Service) plan combines some of the features offered by HMO and PPO plans.  As with an HMO, members of a POS plan are required to choose a primary care physician (PCP) from the plan’s network of providers.  Services rendered by your PCP are typically not subject to a deductible.  Also, like HMOs, a POS plan typically offers coverage for preventative care visits.

You may recieve a higher level of coverage for services rendered or referred by your PCP.  Services rendered by a non-network provider may be subject to a deductible and will likely be covered at a lower level.  If services are rendered outside of the network, you will likely have to pay up front and submit a claim to the insurance company yourself.