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What Is a Point of Service (POS) Plan?

 
A little boy holds a teddy bear that is being examined by a doctor

POS Plan Features

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.

  • 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.

Know Your Network

To make sure a provider is in your plan's network, search our Find Care tool. Register or log in to Blue Access for MembersSM, your secure member website, for a personalized search based on your health plan and network.

  • If you're a new patient, see your PCP right away. When you make your first appointment, let the doctor's office know that you're a new patient.
  • For real emergencies. If your illness or injury is life-threatening, call 911 or go to the nearest emergency room. You don't have to stay in-network or get a referral. Just let your PCP know that you had an emergency as soon as you can so they can follow your treatment and manage any follow up care needed.

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BCBSMT may not offer this plan type for all members. To learn about the plans available for you to enroll in as a BCBSMT member, please contact your licensed health insurance sales agent or contact us.