POS Plan

POS Plan ( POINT OF SERVICE PLAN )

POS plans are more flexible than HMOs, but they also require patient to select a PCP.

POS advantages:
• Depending on patient insurance company's rules, he may choose to visit a doctor outside the network and still receive coverage — but the amount covered will be substantially less than if patient went to a physician within the network.
• These plans tend to offer more preventive care and well-being services, such as workshops on smoking cessation and discounts to health clubs.



POS disadvantages:
• Individual must choose a PCP.
• While individual may choose to see a physician outside the network, if he did not receive permission from PCP, individual is likely to wind up submitting the bills himself and receiving only a nominal reimbursement — if any.