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POS Plans

Point of Service Plans

  • A POS plan is often called an HMO/PPO hybrid or an "open-ended" HMO. The reason it's called "point of service" is that members choose which option - HMO or PPO - they will use each time they seek health care.
  • Like an HMO and a PPO, a POS plan has a contracted network provider.
  • POS plans encourage, but don't require, members to choose a primary care physician (PCP). As in a traditional HMO, the PCP acts as a "gatekeeper" when making referrals. Members who choose not to use thier PCPs for referrals (but still seek care from an in-network provider) still receive benefits but will pay higher copays and/or deductibles than memebrs who use their PCPs/
  • POS members also may opt to visit and out-of-network provider at their discretion. If so, a memebr copays, and coinsurance and deductibles are subsequently higher.
  • POS plans are becoming more popular because they offer more flexibility and freedom of choice that standard HMOs.

Premier Medical Alliance, P.A.
595 South Federal Highway, Suite 250
Boca Raton, Florida 33432
Tel: 561-417-3344
Fax: 561-417-8899

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