Frequently Asked Questions

How do point of service (POS) plans operate?

Combining the features of both preferred provider organization (PPO) and health maintenance organization (HMO) plans, a POS plan requires you to select a primary care physician from its network of doctors. You won't have to pay upfront for services provided within the network, and you can still get services out-of-network, though you'll have to submit a claim, and the percentage of reimbursement will vary from plan to plan.

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