What Is a POS Health Insurance Plan?

POS or Point-of-Service insurance is a combination of HMO and PPO. You need to choose a primary care physician and you pay a low premium, but you can visit providers outside the plan’s network and still get some coverage. Let’s learn more about POS insurance plans in Washington.

Point-of-Service Insurance
Combining PPO & HMO For Low Premiums & Out Of Network Coverage

What does POS stand for?

POS stands for Point-of-Service.

What is a POS provider?

A POS provider is a person or organization that has agreed to be a part of the plan’s network, and to provide services to its members.

What does POS cover?

POS is rather like HMO in terms of coverage. One major difference is that POS provides nationwide coverage. You can consult doctors outside the network area, with limitations.

How Does POS Health Insurance Work?

POS insurance, as we mentioned earlier, is a unique combination of HMO and PPO. So you have a low premium and limited range of doctors to choose from, and you must choose a primary care physician (PCP) and get a referral before seeing a specialist. However, you will still have some coverage for out-of-network visits.

When Do You Get POS Insurance?

You can buy or change your POS plan during the open enrollment period. Your broker will notify you when it is approaching, so you have enough time to go over your options and choose a plan.

How Do You Get a POS Health Plan?

Who do you contact?

You will need to get in touch with an insurance agent, who will be able to guide you through the purchasing process.

Where to buy it?

You can buy POS insurance from an insurance agency that provides it. If you live in Washington state, contact McGregor Benefits for an affordable POS insurance plan.

What’s the process like?

Working with an insurance agent makes the process very simple, so you don’t have to do much. Most of the paperwork will be taken care of, and the agent will look for plans and present the best ones to you.

How to purchase POS health insurance?

Get in touch with a POS insurance broker near you, and they will help you choose a plan from the WAhealthplanfinder.

Pros of POS Insurance

Lower premiums – The premiums for a POS plan are low, which is great for those who want an affordable, low-cost solution.

Out-of-network coverage – You get some coverage for out-of-network doctor visits, which is a perk.

About McGregor Benefits

McGregor Benefits is an independent health insurance agency in Washington state. We have a team of experienced insurance agents who are ready to help you find the perfect plan for your and your family’s needs. Get in touch with us if you have any questions about POS insurance.

Call One Of Our Expert Individual & Family Health Insurance Producers For Help Today

travis mccool health insurance agent seattle
Travis McCool
Dave Brunson
Don Childs Insurance Agent
Don Childs
Julia Davenport
Brittany Gaither
Kimberly Hawley
Cindy McKeon
Brynn Riggins

Start a Conversation

Tell us about your needs below. One of our experienced Producers will contact you within 1 business day to schedule a phone call to review your options.