PPO/HMO Hybrid With Low Premiums & Out Of Network Coverage
What is a POS Health Insurance Plan?
POS or Point-of-Service insurance is a combination of HMO and PPO. You may need to choose a primary care physician and you may need to get referrals in the network. However, unlike an HMO you also can see providers outside of your network. Let’s learn more about POS insurance plans in Washington.
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.
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All you pay for is the premiums, which are the same with or without our help.
How Does POS Health Insurance Work?
POS insurance, as we mentioned earlier, is a unique combination of HMO and PPO. You may need to 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.
Benefits of POS Insurance
Lower premiums – The premiums for a POS plan are lower, 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.
POS Insurance Plan FAQs
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?
You will need to get in touch with an insurance agent, who will be able to guide you through the purchasing process.
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.
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.
Get in touch with a POS insurance broker near you, and they will help you choose a plan from the WAhealthplanfinder.