What is a point-of-service plan?
A point-of-service POS plan allows a member the option to receive covered services in addition to emergency care and urgent care services without first receiving authorization from the member’s PCP or Health Advantage. Benefits elected through the POS option are sometimes referred to as “out-of-network” benefits. Health Advantage does not pay as great a part of the cost of services through a POS as is paid for in-network services. On a POS plan, the member is responsible for a copayment and/or coinsurance, and a deductible for services received. The copayment, coinsurance, and deductible amounts for specific services are listed on the benefit summary for your plan.
