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What is Point of Service Health Insurance Coverage?
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.
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)