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And if having a PCP seems more like a nuisance rather than a benefit, you might want to sign up for a PPO plan instead.

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Plus your medical care will likely be cheaper under a POS plan than it would be under a PPO plan.Д«ut if you donвЂ™t intend to see an out-of-network doctor, enrolling in a POS plan might be pointless when you can save more money by applying for an HMO plan. If you live in a small town with few healthcare providers or you often need outpatient services, going with a POS plan over an HMO might work in your favor. Having a POS plan might make sense if you like having a primary care physician who can coordinate all of your medical care and you want to be able to choose an out-of-network provider from time to time. If youвЂ™re having trouble deciding between an HMO health plan and a PPO plan, enrolling in a POS plan might be a good idea since itвЂ™s a hybrid health insurance plan. That can be frustrating if you donвЂ™t want permission to see a certain doctor or you donвЂ™t want to waste time waiting for your PCPвЂ™s approval. WhatвЂ™s more, depending on the way your POS plan works, you may need a referral from your PCP to see an out-of-network physician.

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Otherwise, youвЂ™ll pay more for healthcare if you choose a medical professional whoвЂ™s not part of your network. And if youвЂ™re on a budget, you may have no choice but to take your primary care physicianвЂ™s advice. You may not like the specialists who your doctor refers you to. Of course, having a PCP comes with its own set of problems. And while youвЂ™re waiting for your claim to be processed, it could take months for you to be reimbursed for covering the cost of your own medical bills. That changes when you seek medical care from someone whoвЂ™s not in your planвЂ™s network and who you didnвЂ™t find via your PCP. If you visit a doctor whoвЂ™s part of your network, you wonвЂ™t have to worry about filing an insurance claim or completing very much paperwork. And depending on the way your plan works, you may also be responsible for coinsurance. PPO plan members face the same problems when they stray from their network of providers. Plus, you may have to pay a higher copay than you would if you stayed inside of your healthcare network. That means youвЂ™ll probably have to pay a deductible before your insurer will cover the cost of anything. For one, if you decide to receive medical care from a specialist or hospital outside of your network, youвЂ™ll pay more out of pocket. There are some drawbacks to enrolling in a POS plan.

Related Article: WhatвЂ™s the Average Cost of Health Insurance?

WhatвЂ™s more, if you need to pay a copay, itвЂ™ll likely be fairly inexpensive (as long as you remain within your network). If you have a POS plan and you only visit doctors and medical facilities inside of your network of providers, you may not have to pay a deductible at all. But POS health plans usually cover a portion of their membersвЂ™ medical bills, regardless of whether they stay within their network.ДЄnother advantage of POS health plans is that they can be relatively affordable. Under an HMO plan, your insurance company typically wonвЂ™t cover the cost of any medical care provided by an out-of-network physician or hospital, unless thereвЂ™s an emergency. POS plans arenвЂ™t as rigid as HMO plans are. So itвЂ™s possible to receive a mixture of medical care from in-network and out-of-network doctors under a POS plan. Like PPO plans, POS plans provide some sort of insurance coverage to people who visit healthcare providers outside of their network. Under both POS and HMO plans, youвЂ™ll need to ask your PCP for a referral when you want to see a specialist or doctor within your network of healthcare professionals. Much like an HMO health plan, POS plans require their members to choose a doctor within their network to serve as their primary care physician (PCP). A point of service (POS) healthcare plan combines some of the features of HMO plans and PPO plans.

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