What is a Point of Service (POS) Plan?
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.