a health plan that allows members to choose to receive services from a participating or nonparticipating network provider, usually with a financial disincentive for going outside the network.
a combination of an HMO and an indemnity insurance plan, allowing full coverage within the network of providers and partial coverage outside the network
a cross between a PPO health plan and an HMO plan
a regional plan
A Point Of Service (POS) Plan is a program of commercial or Medicare health insurance which offers the customer two options of how they can receive care-in-plan care and out-of-plan care. In-plan care allows members to save 30-40 percent of out-of-pocket expenses when they receive care from a provider within the panel of approved providers. Point of service plans are designed to provide members greater choice to choose doctors and hospitals which are not on the HMO panel.
A POS plan incorporates features of HMOs and PPOs. Patients are enrolled in an HMO but are offered the option to go outside the network for an additional cost. POS stands for Point of Service.
see point-of-service plan.
See open-ended HMO.