Point-of-Service Plan (POS)
Also called: POS
A point-of-service plan mixes features of HMO and PPO coverage: you usually choose a primary care doctor and need referrals like an HMO, but you can still get partial coverage for out-of-network care like a PPO. Your costs depend heavily on whether you follow the referral rules and stay in network. Missing a required referral is a common, and often appealable, reason a POS claim is denied.