Brief Powerpoint slide show of Point of Service Healthcare Plan

1. Tell Me About… POS
POINT OF SERVICE (POS) HEALTH INSURANCE PLANS

2. It’s a combo…
Combination
POS plans combine features
of an HMO and a PPO plan.
Requirements
 POS plans may require
employees to choose a
Primary Care Physician
(PCP) from the plan's
network providers.
Services
Services rendered by the
PCP aren't subject to the
policy's deductible.

3. Utilizing Covered
Services…
IF EMPLOYEES UTILIZE
COVERED SERVICES THAT ARE
RENDERED OR REFERRED BY
THEIR PCP, THEY MAY RECEIVE
THE HIGHER LEVEL OF
COVERAGE.

4. Non-Network Providers
 If you utilize services by a non-network provider, you
may be subject to a deductible and lower level of
coverage.
 You may also have to pay up-front and submit a
claim for reimbursement.

5. What you’ll get…
Freedom
A moderate amount of
freedom to choose your
health care providers --
more than an HMO; you
do not have to get a
referral from a primary
care doctor to see a
specialist.
Higher Costs
What doctors you can
see? Any in the PPO's
network; you can see
out-of-network doctors,
but you'll pay more out-
of-pocket doctors vs. in-
network providers.
More Paperwork
More paperwork than
with other plans if you
see out-of-network
providers

6. A POS may be a
good option for
small business if
your employees:
 NEED FLEXIBILITY WHEN
CHOOSING PHYSICIANS
AND OTHER PROVIDERS
 DESIRE PRIMARY CARE
PHYSICIANS TO
COORDINATE CARE
 LIKE THE BALANCE OF
GREATER PROVIDER
CHOICE VERSUS LOWER
PREMIUMS

7. Ask me a question…
Message me: LinkedIn
Email me: acarrier@FinancialAndBenefitServices.com
Call me: 724-941-8772 (cell)