What is an open access point-of-service (POS) plan and how does it work?
An open access point-of-service (POS) plan works for you in two ways: in-network and out-of-network. When you enroll in an open access POS plan, your plan may or may not ask you to select a participating PCP for each enrolled family member. If you are asked to select a PCP, you may select any participating PCP from your plan’s network provider directory. With an open access POS, you may see any provider in the plan’s group of network providers without getting a referral. When you see a network provider, this is considered “in-network.” When you see a provider outside the network, 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.
