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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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