HMO Vs PPO+ Beyond: Assessing The Different Types Of Health Insurance Plans

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Point of Service (POS)

Medical healthcare, communication and support from doctor during a consultation with a patient at hospital. Clinic nurse with smile and care while consulting with African man about cardiology results

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A POS plan is also an affordable plan. Like an HMO, it will require referrals from your PCP for specialists. However, it does allow for you to see out-of-network doctors. These will cost more than in-network providers, but you will still enjoy some coverage for out-of-network providers on a POS. As a result, the premiums are slightly higher than those of an HMO.

Pros: Allows you to see out-of-network providers. Relatively low premiums.

Cons: PCP referrals are required for specialists.

Who is it good for? A POS might be the right plan for someone who is managing a health condition, but travels frequently. This plan will enable them to see doctors when necessary who are out of network.

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