POS (Point of Service)
Point of Service insurance plans are like a mixture of characteristics of other plans such as PPO, HMO and indemnity plans. You have the freedom to choose any type of coverage at Point of Service. If you visit your physician to health care, payments for such visit will be made like is done in case of HMO. POS plan allows you to consult a doctor who is not affiliated to your plan network. In such cares PPO rules are applied for payments. Even if you visit a doctor who is not participant of HMO or PPO, as health provider, POS enables you to pay the expenses through reimbursement as is done in indemnity plans. You must be savvy if you are a participant of POS plan as you have to make to make your own decisions.
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