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POS Insurance Plan What is a POS Insurance Plan? A POS Insurance Plan is an insurance plan that allows the insured person to choose providers or specialists with the POS plan's network s referred by their primary care physician, or to self-refer to a provider outside the network. The insured person will receive the highest level of benefits if it uses providers inside the network. With POS health insurance you have greater freedom, but at a higher cost. A POS insurance plan is also called a point of service insurance plan. Enrolling into a POS Plan When you enroll in a POS insurance plan, you are required to choose a primary care physician to monitor your health care. The primary care physician must be chosen from within the health care network. The primary care physician becomes your "point of service". What happens if the doctor refers a person with POS Insurance to a doctor out of the network? If a doctor refers a patient out of the network, usually the plan pays all or most of the bill. If a POS member self-refers to doctors or specialists outside the network, they will have to pay a predetermined amount of coinsurance. Questions to ask your POS health insurance provider include:
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