What is a key feature of HMO POS plans?

A key feature of HMO POS (Health Maintenance Organization Point of Service) plans is the availability of some out-of-network services. HMO plans typically require members to choose a Primary Care Provider (PCP) and to receive a referral from that provider for specialist care. However, POS plans introduce a degree of flexibility by allowing members to access out-of-network providers, albeit often at a higher cost and under specific conditions.

This combination allows individuals to benefit from the cost savings and coordinated care that HMOs provide while also having the option to seek care outside their network if necessary. Typically, these out-of-network services come with higher copayments or deductibles compared to in-network services, making it a balanced approach between structured care and choice.