Final answer:
A POS plan is a combination of HMO and PPO plans, providing a balance between structured, cost-effective care and the flexibility to see out-of-network providers at a higher cost.
Step-by-step explanation:
A Point of Service (POS) plan is a type of health insurance plan that combines characteristics of both Health Maintenance Organization (HMO) and Preferred Provider Organization (PPO) plans. In practical terms, this means that a POS plan offers a blend of the structure and reduced costs associated with HMOs, while also providing the flexibility to see non-network providers as is typical with PPOs. However, seeing providers outside of the network will typically incur higher out-of-pocket costs for the insured.
The correct answer to the question "A POS (Point of Service) plan is a combination of-" is A. HMO and PPO. This type of plan aims to provide individuals with a more flexible approach to healthcare coverage, in which they can choose where and from whom they receive care, but with different levels of coverage depending on whether they stay within the plan's provider network.