POINT OF SERVICE (POS)

In POS, patients have the option of using in-network providers or out-of-network providers. A POS plan will reimburse services received from in-network providers at a higher rate than out-of-network providers.
If the patient remains in-network, the patient must still use a PCP to coordinate care; patient who seeks out-of-network care does not need to go through a PCP. Claim received from the out-of-network providers may be rejected or paid at a lower rate. Also the patient responsibility on a bill would be higher if he goes out of network.