Definition of "POS"

POS (Point of Service) plans are more flexible than HMOs, but they also require you to select a Primary Care Physician (PCP). Depending on your insurance company's rules, you may choose to visit a doctor outside the network and still receive coverage — but the amount covered will be substantially less than if you went to a physician within your network These plans tend to offer more preventive care and well-being services, such as workshops on smoking cessation, and discounts to health clubs. You must choose a PCP. While you may choose to see a physician outside the network, if you don't receive permission from your PCP, you're likely to wind up submitting the bills yourself and receiving only a nominal reimbursement — if any.