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When shopping for health insurance, you may encounter various types of plans, including the POS (Point-of-Service) plan. The POS plan combines features of HMO and PPO plans. It typically offers lower premiums and is associated with a limited network of providers, similar to an HMO. Out-of-network specialist services require approved referrals to be covered at the in-network benefit level. POS plan members receive the best benefits by using in-network providers. While they can access out-of-network providers like those on a PPO plan, it usually involves higher costs, including increased coinsurance and deductibles. For more information, visit wpshealth.com/explains.
