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Health Insurance Guide > How does a POS plan work?How does a POS plan work?A POS (which stands for Point Of Service) plan mixes some of the features of HMO and PPO plans. Similar to an HMO, POS plan members have to choose a PCP from the plan's list of providers. Services provided by your PCP are typically subject to a deductible. Like HMOs, POS plans typically offer coverage for preventive care examinations and doctor visits.However, typically you will only get a higher level of coverage for services provided or referred by your PCP. Services provided by an out-of-network provider may be held to a deductible and may be covered at a lower level. If services are provided by someone outside the network, you may have to pay upfront and submit a claim to the insurance company personally.
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