Insurance Adviser

What is Point of Service Health Insurance (POS) USA ? With point-of-service (POS) health insurance , you have access to healthcare services at a lower overall cost, but with fewer choices. Plans vary, but generally POS plans are considered a combination of Health Maintenance Organization (HMO) and Preferred Provider Organization (PPO) plans. You can access care services from providers and facilities on or off your network, but your coverage is greater if you stay on the network. If you have a point-of-care plan, depending on the specifics of your plan, you may be asked to obtain referrals from your Primary Care Provider (PCP). What does "service point" mean? The term “service point” means the location and provider from which you receive services. Your coverage will vary depending on whether you use an on-network or off-network provider and whether you have received a referral if your plan requires it. How do Point of Service plans work? As an HMO, you first select a Pri...