Direct answer
The main difference is that a POS plan requires you to designate a primary care physician to coordinate your care and provide referrals for specialists, whereas a PPO offers more freedom to see specialists without a referral. It depends on whether you prefer lower premiums with more administrative coordination or the flexibility of higher-cost PPO networks.
Standard health insurance definitions provided by the National Association of Insurance Commissioners. For additional information about health insurance terminology, see the Healthcare.gov Glossary.
What this means for you
The main difference is that a POS plan requires you to designate a primary care physician to coordinate your care and provide referrals for specialists, whereas a PPO offers more freedom to see specialists without a referral. It depends on whether you prefer lower premiums with more administrative coordination or the flexibility of higher-cost PPO networks.
FARMER STOCKMAN
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