A Point of Service (POS) plan has qualities from both, Health Maintenance Organization (HMO) and Preferred Provider Organization (PPO) plans. The benefit levels of which vary and depend on whether a consumer receives their care in the health insurance company’s network of providers or not.
In Point of Service plans, just like a Health Maintenance Organization plan, you are required to have a primary care physician who will make referrals to network specialists when required to do so. When part of a Preferred Provider Organization, an individual can receive care from non-network providers but it will cost them more out of pocket. An individual might also be responsible for copayments, an annual deductible, and coinsurance.
A Point of Service plan is right for individuals who are willing to follow the set guidelines and coordinate their care through a primary care physician. Pharmacy Coupons has discount coupons that enable patients to purchase prescription drugs at a discounted price. Pharmacy Coupons offers discount savings of up to 80% percent.