Health Insurance: POS Plans
Summary
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POS refers to "Point of Service." How the plan pays depends on where you go for medical care, your "point of service".
POS plans are a hybrid of an HMO type plan and a Fee-For-Service (Indemnity) plan. You can receive care within the company's network as if it is an HMO. If you want to go outside the network, you can choose any provider you want. However, you pay a portion of the cost of the service.
A POS plan is more flexible than an HMO and more costly as well. It is less costly than a Fee-For-Service Plan.
Learn how to maximize use of your POS health insurance plan.
Do what you can to keep your health insurance. If you have insurance through work, you can continue your insurance through COBRA and HIPAA. If you have individual insurance and are having difficulty paying the premiums, see Health Insurance: Financial Assistance To Pay Premiums, Deductibles, CoPays, CoInsurance and How To Deal With A Financial Crunch.
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