What is a POS plan and how does it blend features of HMO and PPO?

• A. A POS plan is a closed network plan that only reimburses in-network services.
• B. A Point-of-Service plan uses a gatekeeper like an HMO but offers some coverage for out-of-network care with higher cost-sharing, providing more flexibility than a pure HMO.
• C. A POS plan always requires referrals for all specialties and never covers out-of-network care.
• D. A POS plan is identical to a traditional fee-for-service plan with no network restrictions.

Answer: (B)