What is a POS Plan ?

Image Source: wdrs.fnal.gov

A Point Of Service (POS) Plan is a mix of some features given by HMO and PPO plans. Like an HMO , the insured member of a POS plan must select a primary care physician (PCP), within the plan’s group of accredited doctors. Services rendered or procedures done by your PCP are normally not subject to a deductible. POS plans usually include preventive care visits in their coverage. However, you will only get a higher level of coverage for services or procedures done or referred by your primary care physician (PCP). Services or procedure done by non-accredited doctors or specialists maybe subject to a deductible and more often than not, will be covered at a lower cost. Usually, you will have to pay outright for these services, then forward a claim to your health insurance provider yourself and wait for your reimbursement.