What is a distinguishing feature of point of service (POS) plans?

Point of Service (POS) plans are distinctive because they combine characteristics of both Health Maintenance Organizations (HMOs) and Preferred Provider Organizations (PPOs). One of the key features of POS plans is their flexibility to utilize both in-network and out-of-network providers.

Members typically need to choose a primary care physician (PCP) who coordinates their care and provides referrals to specialists. However, unlike traditional HMOs, which usually require members to see network providers, POS plans allow members to seek care from out-of-network providers at a higher cost. This blend of network options gives members the choice to see specialists outside of their network, albeit often with different co-pays or deductibles compared to in-network visits.

This flexibility to mix in-network and out-of-network options makes POS plans attractive for those who may need specialized services that are not available within their primary network or for those who travel frequently and prefer to retain some out-of-network coverage.