What is the Difference Between a Traditional HMO and a POS Medical Plan?
Your POS plan provides all the advantages of an HMO along with something extra: the ability to see doctors outside of your network and still have coverage. If you choose to see a non-network provider or if you receive specialty care from provider without first obtaining a referral from your PCP, you are using your out-of-network benefits.You may need to pay for the services at the time of the visit and file a claim for reimbursement.You will be responsible for a percentage of the plan allowance, and you may also be responsible for any provider charges above that amount.
Related Questions
- If I am covered by employment under an HMO or the Point of Service (POS) Medical Plan administered through Cigna, do I have to pay the $100 premium for either one?
- What is the Difference Between a Traditional HMO and an HMO Open Access Medical Plan?
- What is the Difference Between a Traditional HMO and a POS Medical Plan?
