What is a POS Plan? Health Insurance Explained

You may have heard that POS insurance plans have a combination of PPO and HMO insurance plan characteristics - but what exactly is a POS plan? And how will you know if it’s a good fit for you? We’ve collected all the information you need to know about POS insurance plans to make it easy to decide.

What is a POS?

"POS" stands for Point of Service. This insurance plan assigns you a primary care physician (PCP) to manage your care and offer you referrals to see specialists.

A POS insurance plan will have a list of in-network providers - visiting these providers is the cheapest option because you have the most coverage. There are two ways to see an out-of-network provider, the first of which is more cost-effective.

How do I know if I have a POS plan?

In order to figure out the type of insurance plan you have, check out your insurance card - generally, the type of insurance plan is listed by the name of the plan.

If you don’t see it there, refer to your Summary and Benefits  - the information about the plan type should be near the top, detailing whether your plan is a POS or another type of insurance. If you still cannot find the answer, give the customer service number on the back of your insurance card a call and ask if your plan is a POS plan.

What are the benefits of having a POS plan?

There are many benefits of having this type of insurance plan. Below are a few to keep in mind:

What are the downsides of having a POS plan?

Like all insurance plans, there are also downsides to having this type of plan. Here are a few to keep in mind:

How do I know if a POS plan is right for me?

In order to determine if this type of plan is right for you, consider the following:

Overall, POS insurance plans offer flexibility and coverage for services like therapy. We’ve made it easy to find therapists in your area that accept POS insurance plans -remember, out-of-network therapists can still be covered by this type of plan, you’ll just have to figure out how much coverage your plan offers!