Final answer:
Preferred Provider Organization (PPO) plans and Point of Service (POS) plans are the two most well known types of insurance plans that follow an open access model.
Step-by-step explanation:
The two types of insurance plans that are most well known for being open access models are Preferred Provider Organization (PPO) plans and Point of Service (POS) plans.
A PPO plan allows members to visit any healthcare provider or specialist without a referral, but they can receive higher coverage if they choose a provider within the plan's network. These plans offer more flexibility in choosing doctors and hospitals compared to other types of health insurance.
A POS plan is similar to a PPO plan, but it requires members to choose a primary care physician (PCP) who will manage their healthcare and provide referrals to specialists. Members have the option to see out-of-network providers, but they will likely have to pay higher out-of-pocket costs.