What is a point-of-service (POS) plan and how does it work?
A point-of-service (POS) plan works for you in two ways: in-network and out-of-network. When you enroll in a POS plan, you select a participating PCP for each enrolled family member. You may select any PCP from your plan’s network provider directory. When your PCP coordinates your medical care, either by providing that care or by giving you a referral to see another provider, this is considered “in-network.” When you go directly to a provider other than your PCP, this is “out-of-network. You choose whether to go in-network or out-of-network each time you need care. However, if you choose to go out-of-network, you will pay a larger share of the cost.
