POS PLAN - Point of Service
UNDERSTANDING is the key to choosing the right plan for
you!
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POS stands for Point of Service.
Similar to Preferred Provider (PPO) plans, you are directed toward a network of
contracted doctors, hospitals and clinics for your healthcare, but you can pay a
larger out-of-pocket fee to visit an out-of-network provider. In line with the
managed care policies of an HMO, your healthcare is administered according to a
healthcare professional. With a Point of Service plan your primary doctor
oversees your medical care and refers you to contracted specialists when needed.
Point of Service plans provide the freedom to go out and chose your own
providers, even specialists, outside the network. Thus one is never limited to
the medical providers that their primary care physician refers. But remember
that the dollar amount the plan will pay decreases when you go outside the
network. This is where it is important that you consider your needs carefully. At this point the question should arise: Do you want to pay a
higher monthly payment for the ability to access specialists, physicians, and
clinics of your choice. Perhaps if you are relatively healthy and do not have a
special relationship with specific physician, then you might consider a managed
care program that will charge you less for the freedom in choosing a healthcare
provider.
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