What is a Point of Service (POS) Plan?

Little boy holding a teddy bear that is being examined by a doctor

A Point of Service plan, or POS, is a health plan that uses certain doctors and hospitals, called your POS provider network. A POS plan has a lower premium than a PPO plan, but still provides options for choosing health care providers. These added choices may give you more flexibility when you need care.

POS Plan Features

You’ll choose a primary care provider (PCP) from the POS network to manage your health care needs.
You’ll have a lower deductible and coinsurance if you see a provider in the POS network.
You can see an out-of-network provider, but you will pay more of the bill.
Emergency services are covered at the highest benefit level whether the provider is in the POS network or not.
For the few covered services not available within the POS network, you may see an out-of-network provider at the in-network benefit level.
You don’t need a referral to see a specialist. But make sure your PCP knows of the providers in this network.