Q: What Is a POS Health Plan?
Asked by Anoynmous on October 13, 2017
With POS (Point of Service) plan coverage, health insurance policyholders receive care at a lower cost when they receive care from in-network doctors, though this type of plan also includes coverage for out-of-network care (with a referral).
POS plans require policyholders to elect a primary care physician (PCP) and they must obtain a referral from their PCP before seeing a specialist – even if that specialist is in-network. In essence, POS plans offer lower medical costs in exchange for a more limited choice of providers. It’s important to note while POS plans may provide partial out-of-network coverage, it is the patient’s responsibility to pay bills and fill out necessary claim forms in order to be reimbursed for the out-of-network care they receive.
Taking the Next Steps
If you’re dissatisfied with your current healthcare plan, consider changing your health insurance policy. Search our database of individual health insurance plans and find the right plan for you.