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POS Health Insurance Plans
POS plans, or Point of Service plans,
are based on the basic managed care principles: lower
medical costs in exchange for more limited choice. But POS
health insurance does differ from other managed care plans.
When you enroll in a POS plan, you are required to choose a
primary care physician to monitor your health care. This
primary care physician must be chosen from within the the
health insurance companies health care network, and becomes
your "point of service".
The primary POS physician may then make referrals - even
outside the network, in which case your benefits will be
less than if a network doctor was used.
For medical visits within the health care
network, paperwork is completed for you. If you choose to go
outside the network, it is your responsibility to fill out
the forms, send bills in for payment, and keep an accurate
account of health care receipts.
The costs under a POS plan is similar to
that of other managed care plans. It may be slightly less
costly than a PPO because the health
insurance company will still regulate most of your health
care.
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