Saval Insurance Point-of-Service Plans

Point-of-Service
Plans (POS)

A Point of Service (POS) plan is another hybrid, this time part PPO and part HMO. As with an HMO, in a POS you would have a primary care physician who can refer you to specialists within the network when necessary. Also, just as with an HMO, co-payments are minimal and deductibles are practically nonexistent. Patients pay less because they are within a limited, controlled system.

The difference is that with a POS, as with a PPO, patients are allowed to go outside the system as long as they are willing to pay for that privilege.

Less restrictive than an HMO or PPO, a POS lets you see any physician for anything covered by the insurance. Care you receive from out-of-plan physician is reimbursed, but you may pay a higher co-payment or deductible amount.

Costs that exceed your deductible are covered by a co-insurance plan in which you and the insurance company share the cost for services covered by the policy.