What is a POS?
The third type of managed care plan aside from HMO and PPO is the POS Plan. A Point-of-Service or POS Plan is a hybrid of the Health Maintenance Organization or HMO Plan and the Preferred Providers Organization or PPO Plan. In POS, the primary care doctors will make referrals to other providers included in the plan. If a member chooses to leave the network, the POS plan will pay for a set amount of the bill. These kind of plans costs more than HMOs but they are more flexible because you could call a doctor on your own whenever you want and even if your primary care physician doesn’t.