What is a POS (Point Of Service)?

POS (point of service) is type of managed care plan where members appoint a primary care physician (PCP) from within the contracted network of health care providers. The PCP becomes their point of service because the PCP refers them to specialists and for further treatment.

POS plans allow members to go out of network for medical services. However, members are encouraged to stay within the network by implementing higher co-payments for out of network services. There is also no need to do paperwork when service is within the plan’s network. But it becomes the member’s responsibility if they go out of network.

This plan is a combination of an HMO and a PPO plan. Like an HMO plan, a POS plan provides care through a network of physicians and medical facilities. It also requires you to choose a PCP from within the network. You need a referral from your PCP before you can see a specialist.  Like a PPO, you are given the option of going out of network for medical care.

POS plans are for those who are seeking freedom in choosing health care providers. But you must also be ready to pay a little more for this freedom.