What is a Point-of-Service (POS) 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 point-of-service 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 are 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.
