Health Insurance Options – Pros and Cons

POS – Point of Service 

This plan combines the aspects of the HMOs and the PPO. The patient generally chooses a primary care physician from within a network of providers. 

Pros: This plan reduces the annual costs by providing primary care from an affiliate physician but give the patient the freedom to see specialists outside of the network.  

Cons: If the patient needs to see a specialist, using one who is out-of-network may be costly. Also, some POS plans require you to pay as much as the first $5,000 in costs.  

A POS plan lets you be part of a wider network.