Direct answer
A Point-of-Service (POS) plan offers the flexibility of using out-of-network providers for a higher cost while typically requiring you to coordinate care through a primary care physician. It benefits those who want lower premiums than a PPO but more freedom than a traditional HMO.
Official health insurance carrier plan documents and benefit summary guidelines. For additional information about health plan types and coverage terminology, see the Healthcare.gov glossary.
What this means for you
A Point-of-Service (POS) plan offers the flexibility of using out-of-network providers for a higher cost while typically requiring you to coordinate care through a primary care physician. It benefits those who want lower premiums than a PPO but more freedom than a traditional HMO.
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