Health Insurance Rates and Quotes

POS (Point-of-Service) Health Coverage:

A Point-of-Service medical plan is basically a combination of a PPO and an HMO. 
Like the other types of managed care, POS plans are established to provide lower
cost medical care to those that remain in the network.  Assume for a moment that
POS's are structured identically to PPO medical plans.  The major difference 
between a POS and PPO plan is that the Point-of-Service plan makes use of a 
Primary Care Physician.  With the POS plans, if you seek medical care outside of 
the network, you will be responsible for full payment.  On the other hand, if your 
Primary Care Physician gives a referral for you to see a specialist outside of the 
network, the insurer will pickup most of the cost.  As with HMO plans, POS plans 
typically include preventive care and health improvement programs.

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