What Is POS Insurance?
A POS plan combines features of HMO and PPO. You choose a PCP who provides referrals (like HMO) but can also go out-of-network at a higher cost (like PPO).
Monthly Premium
$510
Deductible
$1,600
Copay
$20-$40 per visit
Flexibility
Medium
Who Is POS Best For?
People who want the cost savings of an HMO with the safety net of out-of-network coverage.
Pros and Cons
Advantages
- Out-of-network coverage available
- Lower in-network costs than PPO
- PCP coordinates care
- Flexibility for out-of-area care
- Good for families with varied needs
Disadvantages
- Requires PCP referrals for specialists
- High out-of-network costs
- More paperwork than HMO
- Can be confusing to navigate
- Less common in marketplace plans
Key Features
Referrals RequiredYes
Out-of-Network CoverageYes (at higher cost)
Network FlexibilityMedium
Family Premium$1,450/mo