HMO Point of Service (HMOPOS)
An HMO Point of Service Plan is a type of managed care plan that incorporates aspects of and HMO and a PPO. Like an HMO, an HMOPOS plan may require you to have a primary care physician who oversees your health care and who makes referrals to specialists. Like a PPO plan, you are able to receive care from out-of-network providers at additional costs. The care administered by your primary care physician is usually not subject to a deductible and the plan usually includes preventive care. For out-of-network care, you may have to pay an annual deductible, copayments, and coinsurance.