Often known as open-ended HMOs or PPOs, these plans permit insureds to choose providers outside the plan yet are designed to encourage the use of network providers.
Point-of-service (POS) insurance plans are managed care plans similar to both HMO's and PPO's. They offer more choice but typically cost more to purchase. They reward members for using less care and saving the insurance company money.
Plans that permit insured persons to choose providers outside the plan but that are designed to encourage use of network providers.
Combination of HMO and PPO features. They provide a comprehensive set of health benefits and offer a full range of health services much the same as the HMO. However, the members do not have to choose how to receive services until they need them. The member can then opt to use the defined managed care program, or can go out-of-plan for services but pay the difference for nonplan benefits (e.g., 100 percent coverage for managed care vs. 80 percent coverage out-of-plan).
POS plans allow an HMO to contract with an insurance company to give enrollees the option of receiving services outside the HMO´s network. In Texas, HMOs must contract with an insurance company to offer POS plans.
Often known as open-ended HMOs or PPOs, these plans let you see doctors outside the plan, but encourage you to use network doctors. Typically, it costs more to see a doctor who is outside the plan.
These plans permit insureds to choose providers outside the plan yet are designed to encourage the use of network providers. A hybrid of a HMO and PPO.
