Understanding the Impact of POS Insurance


You have a lot of options when you're shopping for health insurance, including choosing among HMO, PPO, and POS insurance plans. While Point of Service (POS) plans combine the benefits of the other two plans, how do you know if that's the type of plan you need? Even when you're sure of what coverage you need from your health insurance, the policy itself may lead to more questions than answers. 

No matter what type of plan you're looking for, HealthMarkets can help you find the right one for your needs. We work with over 200 insurance companies nationwide to provide you with a wide selection of policies and options. Request a free quote to get started today.

POS, HMO, PPO... You've Got Options

In the past, health insurance companies fell into specific categories and had relatively rigid structures. HMOs (Health Maintenance Organizations) and PPOs (Preferred Provider Organizations), for instance, offer networks of providers from whom you can seek care.

Traditionally, HMOs would not cover your care if it came from a provider outside of their networks; PPOs would cover it, but for a higher cost. Now, you have more options outside of HMOs and PPOs, including POS plans.

POS plans include factors from both HMOs and PPOs. They are a type of managed care that offers coverage for out-of-network services. They're similar to HMOs in that you receive more benefits by staying within the network, but you can still receive some coverage if you go out of network, like with PPOs. 

In general, POS plans can have:

  1. The freedom to choose who your health care providers are.
  2. Some paperwork requirements when you see a doctor or specialist outside the network.
  3. Coverage when you see a provider in- or out-of-network.

POS nurse

Let HealthMarkets Find Your POS Insurance Plan

With over 3,000 licensed agents available at your convenience, HealthMarkets is ready to help enroll you and your family in a health plan that's right for you. Whether you're looking for an HMO, PPO, or POS insurance plan, we can find the right plan for you, and one that works with your budget as a part of our Best Price Guarantee.

Contact us by requesting a free quote online, reaching one of our friendly agents, or calling us at (800) 360-1402. Let's find the right health plan for you today.

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Sources:

NerdWallet: http://www.nerdwallet.com/blog/health/2014/12/03/hmo-vs-ppo-health-insurance-plans/
BankRate: http://www.bankrate.com/finance/insurance/pros-cons-health-insurance-pos-plans.aspx
WebMD: http://www.webmd.com/health-insurance/types-of-health-insurance-plans?page=2

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