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POS stands for "Point of Service." POS health insurance plans are similar in some respects to HMO (Health Maintenance Organization) and PPO (Preferred Provider Organization) plans, though they may also differ in specific ways. It's sometimes hard to make precise distinctions between these types of plans since the definitions have shifted and expanded over the years.
Generally speaking, as a member of a POS plan you may be required to choose a primary care physician who will then make referrals to specialists in the health insurance company's network of preferred providers. Care rendered by non-network providers will typically cost you more out of pocket, and may not be covered at all. This is not true of all POS plans, however.
Work with a licensed health insurance agent to help you find the best type of coverage for your personal needs.
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