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Advantages And Disadvantages Of A POS Health Insurance Plan

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Advantages of a POS Health Plan

  • Flexibility: By being under both a PPO and HMO at the same time, you will have control over both the medical provider and the course of treatment while retaining the ability to keep out-of-pocket costs to a minimum. For example, you may choose to get most of your care through the HMO network where you only pay co-pays, but have the choice to use either a PPO or non-PPO specialist for specialized care or for a second opinion.
  • POS health plans are hybrids of the HMO and PPO programs so they have the advantages of both.  For informa tion about advantages and disadvantages of an HMO type policy, click here. For HMO, click here. 

Disadvantages of a POPS Health Plan

  • Cost: POS plans are usually more expensive than an HMO. They are less expensive than a straight Fee-For-Service (Indemnity) Plan.
  • Keeping track can get complicated -- It will require planning and careful record keeping to keep track of which provider is under which plan and compute your portion of the bill, if any.
  • POS health plans are hybrids of the HMO and PPO programs so they have the disadvantages of both.  

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