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Why are the co-pays higher in the POS plan, while I am already paying a higher premium than similarly situated individuals in the HMO?

April 26, 2017co-pays hmo individuals paying Plan pos Premium similarly situated

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Why are the co-pays higher in the POS plan, while I am already paying a higher premium than similarly situated individuals in the HMO?

1 Answer

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Due to the nature of the POS plan, the costs are higher, which necessitates a higher premium. Also, due to the flexibility of having the Out of Network Benefits, contracted rates with providers are not as favorable to you, or the plan.