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POS (Point-of-Service) Coverage
A
Point-of-Service medical plan is basically a combination of a PPO
and an HMO. Like the other types of managed care, POS plans are
established to provide lower cost medical care to those that remain
in the network. Assume for a moment that POS's are structured
identically to PPO medical plans. The major difference between a POS
and PPO plan is that the Point-of-Service plan makes use of a
Primary Care Physician. With the POS plans, if you seek medical care
outside of the network, you will be responsible for full payment. On
the other hand, if your Primary Care Physician gives a referral for
you to see a specialist outside of the network, the insurer will
pick up most of the cost. As with HMO plans, POS plans typically
include preventive care and health improvement programs.
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