What Is a POS Plan?

A POS (point-of-service) plan is a hybrid of a health maintenance organization (HMO) and a preferred provider organization (PPO) plan. Boiled down to the basics, a POS plan functions like an HMO, in that it uses a network of covered providers. However, those enrolled in a POS may also seek treatment outside of that network, provided that they pay the difference in cost.

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