What is a POS health plan?
A point of service (POS) plan is a combination of the savings of a primary care provider-managed HMO and the freedom within a restricted network of a preferred provider organization (PPO).POS vs. HMOPOS plans require that you to go to a primary care provider first to get a referral to a specialist, just like a health maintenance organization (HMO) plan. POS plans allow for coverage outside the plan or network, usually at a reduced percentage, while care is strictly limited to the provider network in an HMO.POS vs. PPOPPOs provide more freedom than a POS to see any provider within the organization without referrals. Both plans offer reduced fees for limiting the number of providers in their respective networks.AdvantagesA POS provides reduced costs without ridged limitations for who you can see and still receive some coverage.DisadvantagesYou have to coordinate your health care through a primary care provider, which can actually be a benefit if you find the right doctor.Other Considerat
