Which description best matches a POS plan?

Which description best matches a POS plan?

• A. A plan that covers only in-network care with no referrals
• B. Point of Service; a hybrid of HMO and PPO
• C. A plan that has no network restrictions
• D. A plan that is identical to a PPO

Answer: (B)

Point of Service plans blend features of HMOs and PPOs. They let you work with a primary care physician and require referrals to see specialists, like an HMO, but they also offer the option to see out-of-network providers for a higher cost, similar to a PPO. This combination is what makes a POS plan the best description. The other statements don’t fit because POS isn’t limited to in-network care with no referrals, isn’t unrestricted by network access, and isn’t simply identical to a PPO.

Point of Service plans blend features of HMOs and PPOs. They let you work with a primary care physician and require referrals to see specialists, like an HMO, but they also offer the option to see out-of-network providers for a higher cost, similar to a PPO. This combination is what makes a POS plan the best description. The other statements don’t fit because POS isn’t limited to in-network care with no referrals, isn’t unrestricted by network access, and isn’t simply identical to a PPO.