A Medicare Advantage Point of Service (POS) plan is a hybrid between an HMO and PPO. POS plans require a primary care physician and referrals for specialists (like an HMO) but allow out-of-network care at higher cost (like a PPO). POS plans are less common than HMO and PPO plans.
Key Points
- POS: hybrid between HMO and PPO
- Requires PCP and referrals (like HMO)
- Allows out-of-network care at higher cost (like PPO)
- Less common than HMO and PPO plans
- An independent agent can identify POS plans available in your area