POS Plans for Flexibility
If you are seeking a type of managed-care health plan that is both flexible and affordable, a “point of service” or POS plan may be your perfect solution. A POS plan is a type of health insurance coverage that provides policy holders with a structured network of doctors, perfect for controlling costs, as well as the flexibility for members to go out of network at will and see whichever doctors they prefer.It is important to realize that the more flexible a health insurance plan, the more costly it will become. POS plans are great for flexibility and are neither the least expensive or most expensive choice for health care.
POS plans are really know for the flexibility they offer their members. Policyholders can seek out medical attention in a number of ways. The POS coverage can be set up to offerfull or partial coverage for non-network providers, plus full coverage for medical care visits to providers within the network. Those options offer policyholders a full range of physicians from which they may choose to seek medical care.
The biggest point contributing to a POS plan’s flexibility is that members can choose from either in-network physicians or may research and choose a doctor on their own. This can be done as long as the initial condition of selecting a primary care physician within the managed-care network.
By choosing a POS plan for the flexibility they offer, you need to consider the additional charges you may accrue for out of network doctors visits. However, if you need the flexibility of a POS plan, the right POS plan may be worth any extra money you may pay.