A POS or Point-of-Service
group health insurance
plan allows your
Pennsylvania employees
the option of accessing
any medical provider with
or without a primary care
physician referral
(depending on which
option you choose) and
receive the highest benefit
level. Similar to an HMO,
a POS stresses
preventive care and offers
closely managed benefits.
A POS health insurance
plan also pays benefits for
out-of-network care, but at
a lower level than for in
network care.
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