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Health Insurance
Point-of-Service (POS)
"Managed Care"

A Point-of-Service plan is a little more least restrictive type of managed care. Point-of Service plans like PPO's have made arrangements for lower fees with a network of health care providers and give their policyholders a financial incentive to stay within that network.

However, Point-of-service plans introduce the gatekeeper, or Primary Care Physician. You'll need to choose your primary care physician (PCP) from among the plan's network of doctors.
As with the PPO, you can choose to go out of network and still get some kind of coverage. In order to get a referral to a specialist, though, you usually must go through your PCP. You can still choose to refer yourself, but it'll mean more hassles and more money coming out of your pocket.
If your PCP refers you to a doctor who is out of the network, the plan should pick up most of the cost. But if you refer yourself out, then you'll probably have to deal with more paperwork and a smaller reimbursement. You may also have to pay a deductible if you go outside the network.
POS plans may also cover more preventive care services, and may even offer health improvement programs like workshops on nutrition and smoking cessation, and discounts at health clubs.

Is a POS Wright For You?

Rates and coverage vary form state to state so shop around on your own or talk to an independent insurance agent to make sure you get a plan that's right for you. For more information and rates on POS health insurance visit our specialist site below.

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