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.