What is a POS Plan?

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Multiple Choice

What is a POS Plan?

Explanation:
A POS plan is a hybrid managed care arrangement that combines features of an HMO and a PPO. It uses a primary care physician as a gatekeeper to coordinate care and help control costs, like an HMO. At the same time it offers the option to seek care from providers outside the network, similar to a PPO, though with higher out-of-pocket costs. In-network care typically requires referrals for specialists, while out-of-network care comes with greater cost-sharing. This blend gives you the lower costs and coordinated care of an HMO while preserving some flexibility to go outside the network when needed.

A POS plan is a hybrid managed care arrangement that combines features of an HMO and a PPO. It uses a primary care physician as a gatekeeper to coordinate care and help control costs, like an HMO. At the same time it offers the option to seek care from providers outside the network, similar to a PPO, though with higher out-of-pocket costs. In-network care typically requires referrals for specialists, while out-of-network care comes with greater cost-sharing. This blend gives you the lower costs and coordinated care of an HMO while preserving some flexibility to go outside the network when needed.

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