What is a Point of Service (POS) plan?
A POS plan is a cross between an HMO plan and a PPO plan. Similar to an HMO, it is required to select a primary care physician (PCP) whose services will usually be provided independently of a deductible. POS plans also share the HMOs concentration on preventive medicine. The highest percentage of coverage will almost always be for services rendered or referred by your PCP. As with PPOs, visits to out-of-network providers generally require payment of the deductible and less of the costs will be absorbed by the insurance company. Another consideration is that not only may up-front payment be required, but the out-of-network provider will not submit your claim for reimbursement.
Individual and Family Plan FAQs
- Do I make payments directly to the insurance company?
- How do I know you are finding me the lowest premiums?
- How do I pick the best health insurance plan for me?
- How do I start my coverage?
- How is a network used by insurance companies?
- If I provide my personal information to Benepath, how do I know it is safe?
- Is there any obligation for me to buy an insurance plan once I have applied?
- What if I only want to insure my children?
- What is a co-payment?
- What is a deductible?
- What is a Health Maintenance Organization (HMO)?
- What is a Health Savings Account (HSA)?
- What is a Point of Service (POS) plan?
- What is a Preferred Provider Organization (PPO) plan?
- What is an Indemnity plan?
- What is coinsurance?
- What types of individual and family insurance plans does Benepath offer?
- Who do I contact if I need help?
- Why Benepath?
- Why will individual and family health insurance work for me?