![]() ![]() When you receive in-network treatment and services, the paperwork is usually done for you.You can see a specialist outside of your approved network – and be covered, but you may pay more out-of-pocket.Your health care costs are typically lower when you get care from in-network providers.You are also free to see out-of-network specialists, without a referral, but you could pay more for that flexibility. Your PCP may refer you to in-network specialists, if your particular plan requires it. Like a PPO, you have choices about where to receive care. Your costs for care will be lower if you see in-network providers. Like an HMO, you start by selecting a Primary Care Provider (PCP) to help coordinate and manage your health care needs. Your coverage varies depending on whether you see a provider who’s in- or out-of-network and if you’ve received a referral, if required by your plan. The term "point of service" refers to where and from what provider you receive services. If you have a point of service plan, depending on your specific plan design, you may be required to get referrals from your Primary Care Provider (PCP). You can access care from in-network or out-of-network providers and facilities, but your level of coverage will be better when you stay in-network. Plans may vary, but in general, POS plans are considered a combination of Health Maintenance Organization (HMO) and Preferred Provider Organization (PPO) plans. A Point of Service (POS) health insurance plan provides access to health care services at a lower overall cost, but with fewer choices. ![]()
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