Final answer:
In a Point of Service (POS) plan, members can self-refer to outside providers and still receive some coverage, albeit with additional costs such as deductibles and higher out-of-pocket expenses.
Step-by-step explanation:
Many HMOs offer an indemnity type option known as POS. Primary care doctors in a POS plan usually make referrals to other providers in the plan. But in a POS plan, some members can refer themselves outside the plan and still get some coverage.
In the context of a Point of Service (POS) plan, a hybrid model combining features of HMOs and PPOs, members have the flexibility to choose providers outside the network. However, this typically comes with additional costs compared to staying within the network. A POS plan may require deductibles and higher out-of-pocket expenses for services sought outside the network, juxtaposed to the lower costs when using in-network providers.
Understanding the nuances of these healthcare options, like POS plans, is crucial for individuals aiming to make informed decisions about their health insurance coverage