Baptist Health Services Group


Point of Service (POS)


Similar to an HMO

  • Select network of providers
  • Usually requires members to choose a primary care physician
Unlike an HMO
  • Out-of-network benefits are provided
  • Significantly higher cost sharing if these benefits are utilized
  • In-network care typically fully covered (100%)
  • Out-of-network care more similar to PPO or indemnity coverage with deductibles and co-insurance.

*Provider participation varies by carrier or payor.



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