A point-of-service plan (POS) is a type of managed care plan that falls between a PPO and an HMO. Through a POS, participants pay less when using hospitals, doctors, and other healthcare providers within the plan’s network.
Participants of a POS choose an in-network physician as a primary care provider, similar to an HMO. However, patients can go out-of-network for certain healthcare services, like with a PPO.
With a referral from the primary care provider to the out-of-network provider, the medical plan will pay some or all of the costs of the visit. Without a referral, the patient will have to pay most of the cost.