What is the service?
Point of Service is a type of health insurance plan of managed care that offers members of the Plan for Medical Expenditure. In such a plan, members must choose a primary care doctor from the network of providers and each physician must submit this doctor. Services or POS plan offers relatively low cooperation to members and no deductions if they remain in the network POS. If a member goes outside the network to visit a specialist or a doctor, he will be responsible for the deductible payment and get a much less coverage from the POS plan. This exporting act may be the reason why someone would decide to sign in to the service plan. The POS Plan combines the cost -effectiveness of the organization of health or HMO, with a certain flexibility of the preferred organization of the Provider or PPO.
The individual who chooses a service plan must be the first output for all health problems to go to primary care or PCP. This doctor becomesThe point of service and all medical situations of the patient goes through this doctor. Any visits to this physician are covered with POS plan and require very little deductible, which is a payment that is associated with the insurer cover to cover the health costs. There is also no deductible, which is a payment that the patient must make prior to the start of coverage for visits to this type in POS.
If someone who has a service plan requires care besides what a primary care doctor can offer, PCP can then refer to the patient to another doctor or specialist. If this physician is sorted by the nursing network of POS plan, the patient will be covered in the same way as PCP. Each specialist outside the network will require a deductible payment by the patient. In addition, there will be no visit or service provided by a specialist who fails PCP, POS.
The advantage of POS plan is that it allows a little more flexibility than HMO while offering comparable cost control. PacENT, which requires significant care beyond what primary care doctor may offer may not be the best candidate for POS. In such cases, PPO may be more advantageous that requires higher cooperation and deductible payments, as it does not limit the patient's possibilities to a predetermined network of doctors.