What the heck is a POS health insurance plan?

January 29, 2016

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Lauren
Lead Copywriter

 

 


In technical speak:

A Point of Service plan (POS) is similar to a PPO plan in that you don’t have to list a primary care physician upon applying, and you don’t have to get a referral to see a specialist. However, POS plans do not have as an expansive network of doctors as PPO plans do. You also want to stay in your POS network to pay less.

In normal speak:
We know what you’re thinking. POS sounds like an acronym for a crappy person. In this case, POS is a type of insurance plan that offers sweet PPO-like perks in that you don’t have to get a referral from your doc to see a specialist (saving you the cost of one doc appointment). However, POS plans don’t have a large coverage network, meaning your doctors may or may not take your POS plan. It’s important to check before you apply for this type of plan.

Learn more about PPO, EPO or HMO plans.

If you’re interested in purchasing a POS plan or learning about what other health insurance plans are available, we can help.