A point of service (POS) health plan is a type of managed care health insurance that combines elements from both health maintenance organizations (HMOs) andpreferred provider organizations(PPOs). The name comes from the idea that at each point of service, such as a healthcare provider or medic...
Is a POS plan right for you? There are pros and cons to each type of health insurance plan. Your decision is going to have to come down to what is right for YOU and your financial and medical status. A POS may be right for you if you like flexibility, but don’t plan on branchin...
An upside to the EPO health insurance plan is that you usually don’t have to get referrals to see specialists, which makes the process a lot faster if you know what you need, and don’t want to go through a primary care provider to get it. However, as an EPO member, you can...
With PPO insurance, you have the freedom to see any doctor, but you’ll save money by choosing providers within the plan’s network. There’s no need to select a primary care physician, and you don’t need a referral to visit a specialist. Since in-network care is generally more afford...
So the only real "rule" is that you need to pay close attention to the specific details of your own plan. It's true that most EPOs don't require you to have a PCP, but don't assume that yours doesn't. You Likely Don't Need to Have a Referral to See a Specialist ...
Understanding how a high-deductible health insurance plan works can help you find the coverage that may be right for you. What is a high-deductible health plan? An HDHP is any health plan that typically has a lowermonthly premiumand a higherdeductiblethan traditional plans. Here are some impo...
When you receive in-network treatment and services, the paperwork is usually done for you. What are the cons of POS insurance? Depending on the plan you choose, you may need to get a referral from your PCP to see in-network specialists. If you access care from outside your network, you...
What is a Primary Care Physician? Required under some health insurance plans, a primary care physician (PCP) is a policyholder’s main point of contact for their medical needs. Primary care physicians manage the majority of their patients’ care, from preventative services such as immunizations ...
A health maintenance organization (HMO) is a health insurance plan that provides health services through a network of doctors for a monthly or annual fee.
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