Point Of Service Plans: POS Health Insurance
POS , or “point of service” plans, are similar to both HMO's and PPO's. With a POS plan, you pay a straight (flat) fee to a provider within the network or a standard deductible for service provided by a physician that is out of the network. A POS plan provides some of the freedom of choice of a PPO with some of the cost savings found in traditional HMO's.
Point Of Service Plans: POS Health Insurance
You will have to name a family or primary care doctor within the network who you go to for all initial visits. This physician helps to keep health care prices lower by referring you to specialists within the provider network. You can go to a different doctor, however, the costs incurred by you will be higher.
What should I ask my POS health insurance company?
1. How many doctors are in the network, and where are they located?2. How many hospitals are in the network and where are they located?3. How do referrals work?
A Point Of Service Plan will offer more flexibility than an HMO, Point Of Service Plans: POS Health Insurance but you will pay a little more. You need to determine whether visiting a doctor that is not within the network is worth the higher expense.
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