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POS Information

A point-of-service (POS) plan allows patients to choose from different types of providers at the time service is rendered. It is pretty much the same as a PPO, except most POS plans use primary care providers (PCP) to help coordinate patient care, while PPOs usually do not. A POS plan is often offered as an option by HMOs, at a higher monthly premium and with higher co-payments. Patients may receive service from a network provider at a discount or no out-of-pocket cost, while service from a non-network provider will cost a bit more.

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