what is a point of service plan

[StZoey]

A Point of Service (POS) health insurance plan blends elements of HMO and PPO coverage, letting you access both in-network and out-of-network providers. Costs are lower when using in-network providers, and you must select a primary care physician (PCP) to coordinate care. To see an out-of-network doctor, a referral from your PCP is usually required, and out-of-pocket expenses are higher.