Senin, 06 Januari 2014

Point-of-Service Plan POS

Point-of-Service Plan POS

A POS plan blends features of an HMO with a PPO. With POS plan, you may have:

  • More freedom to choose your health care providers than you would in an HMO
  • Out-of-pocket costs you can control
  • A moderate amount of paperwork if you see out-of-network providers
  • A primary care physician who coordinates your care when you use network providers

 

What doctors you can see. In-network providers your primary care physician refers you to. You can see out-of-network doctors, but you’ll pay more.
What you pay.
  • Premium -- With a POS plan, the premium generally stays low because the deductible is high.
  • Deductible – You pay a higher deductible if you see an out-of-network provider.
  • Copays or coinsurance — Your coinsurance is higher, such as 30%, if you see an out-of-network provider.
Paperwork involved. If you go out-of-network, you have to pay your medical bill. Then you submit a claim to your POS plan to pay you back.
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