What is a Point-Of-Service (POS) Plan?

A Point-Of-Service (POS) plan is a combination of an HMO and a PPO. As a kind of managed care, a POS plan gives members access to a wide "network" of health care providers — including doctors, hospitals, clinics, and specialists.

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So how is a POS plan similar to an HMO?

Like an HMO, policyholders with a POS plan choose a Primary Care Physician (PCP). The PCP acts as your “first line of defense” doctor. When you need medical care, you go to your PCP. They can also give you a referral to a specialist.

How is a POS plan similar to a PPO?

A POS plan will provide coverage with any health care provider just like a PPO. That means you’ll still be insured with out-of-network doctors and hospitals. But keep in mind that you’ll save more with in-network providers.

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