The so-called Point of Service (POS) Plan became popular when consumers complained about the restrictive nature of health maintenance organizations (HMOs). In a POS Plan, the insurer allows for the health plan participant to go outside the plan???s network at the point of service, typically for a higher cost. The plan member pays a higher deductible or co-payment to see a doctor or use a hospital that is not in the network. In a POS Plan, insurers do not require a health care provider (doctor or hospital) to be in the plan???s network.
What Is a Preferred Provider Organization (PPO)?
What Is a Health Maintenance Organization (HMO)?
What Is a Self-Insured Health Plan?
What Are Insured Health Plans?