Health Insurance California >> Blue Cross >> POS Coverage

POS plan - Point of Service

The POS plan is actually based on the basic managed care foundation: it has lower medical costs in swap for more limited choice. But POS health insurance does vary from other managed care plans.

When you register your self in a POS plan, you essential have to choose a primary care physician who would monitor your health care. This primary care doctor must be chosen by you from within the health care network, and he becomes your "point of service".

For any medical visits within the health care network, official procedure is completed by you and for you. If you to choose to go exterior the network, it is your liability to fill out the forms, send bills in for payment, and then keep a precise account of health care receipts.

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Advantages of POS plans

. Greatest freedom

POS coverage gives you maximum freedom to access that is of your choice. Like a PPO, you could mix the types of care you receive. For example, your child can continue to see his pediatrician who is not in the area, while you get the rest of your healthcare from your network providers. This freedom of choice supports you to use network providers but does not need it, as with HMO coverage.

. Nominal co-payment

With HMO coverage, you will pay only a nominal amount for network care. Usually, your co-payment is around $10 per treatment or for an office visit. Unlike HMO coverage, you always keep the right to seek care outside the network at a lesser level of coverage.

. No deductible

When you desire to use network providers, there is usually no deductible. Thus, coverage starts from the first dollar you spend as long as you remain within the POS network of physicians.

. No "gate-keeper" for non-network care

If you decide to go outside the POS network for treatment, you are allowed to see any doctor or any specialist you desire without first consulting your primary care physician (PCP). Of course, you would pay substantially more out-of-pocket charges for non-network care.

The breakdown of cost under a POS plan is similar to that of other managed care plans. It may be somewhat less expensive than a PPO because the health insurance company will still control the majority of your health care.

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