HMO Vs PPO+ Beyond: Assessing The Different Types Of Health Insurance Plans
Point of Service (POS)
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.