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POS Insurance
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With a POS Insurance Plan (Point-of-Service), you select the level of coverage at the time of service. Meaning the patient has the option of selecting a primary care physician, then at the at the time they seek medical services they have a choice in whether to use a network or non-network provider. In-network providers accept pre-negotiated fees from insurance carriers for services, the patient is then only responsible for a co-payment at the time the service is provided. You can also select to a provider which is a non-network provider, in such a case the patient would then have to meet the deductible and coinsurance requirements. In a Point-of-Service plan, members do not have to choose how they will receive services until they need them. In short, a POS plan is a managed care plan that allows subscribers to choose providers or specialists within the POS plan’s network as referred by their primary care physician, or to self-refer to a provider outside the network. To receive the highest level of benefits, subscribers must use participating providers.