POS plans offer more flexibility than HMOs. You are allowed to
choose a doctor outside of the insurance network and still receive
coverage, although it will be reduced. You are required to choose a
PCP, who must make referrals to physicians outside of the network in
order for you to receive reimbursement for costs.
POS plans usually offer more preventative care and well-being
services, such as stop smoking programs and health club
discounts.
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