Article Side

Online Article Directory!

Hello Guest! Login or Register to submit articles!

The POS Health Insurance – a Complete Guide

By Floressewrt Subscribe to RSS | February 4th 2012 | Views:

When it comes to choosing a health care policy, there are a lot of options to available in the market these days. One of these options, which have become somewhat popular in the recent times, is the Point of Service (POS) policy. The POS health insurance plans can be looked upon as a combination of the traditional protection and the modern coverage options. In the entire health industry, a POS insurance plan is a complete and well managed health care program, similar to the PPO (preferred provider organization) and the HMO (health maintenance organization). The composition of this insurance plan promotes the usage of physicians within a particular network of the providers. You are permitted to avail the services of clinics and hospitals outside the network, but the cost involved is usually high.

Selection Of Physicians

The main advantage of the POS health insurance plan is that you have the flexibility for choosing the physicians from within or outside the network. Within the network means, the insurance provider has discussed the deals with the physicians at a standard price. Out of the network implies that, the physicians have not made any contract with the service provider.


As the POS plans offer both inside and outside network coverage, co-payment mechanism is very important to comprehend. Co-payment refers to a fee, which you have to pay for visiting a health care professional. The co-payment fee is quite low if you go for the in-network care as compared to the out of network services. Even though the POS health cover provides the flexibility of out of network coverage, the price connected disheartens the usage of this part.


It is yet another type of expense which the insured is required to deal with. The deductible usually refers to, paying a part of your medical bills before the insurance companies start dealing with the expenses. The amount of deductible mainly depends upon the level of coverage you have selected. For within the network care, a POS plan does not need any amount of deductible. Whereas, for the outside network, you are required to pay large amount of deductible before the insurance company actually starts paying your medical expenses. Upon purchasing a POS health cover policy; you should have complete understanding about the deductible in order to know more about your cost commitment.

Benefits Of POS

One of the main benefits of choosing a POS plan is that you can choose from both the in-network as well as out-network providers and the capability of combining these two options. For instance, if you visit a doctor from within the network, then you have to pay the minimum amount of co-payment and avoid paying any amount of deductible. However, if you are already seeing a particular doctor, outside the network, you can continue to avail the services although the expenses will be comparatively high.

So, this was all about the POS health insurance plans. If you are looking for acquiring a health cover policy, having the flexibility of choosing the physicians inside as well as outside the network, then POS health insurance plan is worth considering.

Floressewrt - About Author:
health insurance is a website that offers you extensive knowledge regarding the different health insurance plans. Insurance plans even provides you state by state information on different insurance policies.

Share on Facebook Tweet It Stumbleupon this post This post is delicious !

Article Source:

Related Insurance Articles Subscribe to RSS

Simplest method of finding commercial insurance quotes
Published by Andrew Edwards on May 16th 2012 | Insurance
Looking for commercial insurance but not getting satisfactory response from companies...
How to compare classic car insurance online
Published by Anneshirley on March 20th 2012 | Insurance
If you drive classic car then you must be familiar with the requirements for suitable insurance cove...
Best car insurance in New York City
Published by Warner on April 2nd 2012 | Insurance
Insurance Express is the one stop solution for all Nassau County car insurance related requirements....
Auto insurance – the ultimate choices
Published by Auto Insurances on January 13th 2012 | Finance
Insurance for persons might be optional according to the well and wish of the individuals. Some migh...
Georgia health insurance plan act as umbrella for your life
Published by Ricky Martin on July 26th 2012 | Insurance
With all these benefits Georgia health insurance plan is acting like umbrella for many people. So if...
Get relief from day to day mishaps and provide insurance coverage for your van today
Published by Gregorypeck on February 25th 2012 | Insurance
For most manufacturing or service providing companies, it is the first priority to have a good runni...
Expert in different types of insurance and customized insurance services
Published by Caden on June 14th 2012 | Insurance
Insurance Express is an insurance provider of auto, car, commercial or business insurance etc. Other...
Georgia health insurance plan is excellent option for your health cover
Published by on June 23rd 2012 | Insurance
Only getting health insurance policy is not important, getting the right one is more important, beca...
What will influence the cost of your income protection insurance?
Published by Jenymorison on December 9th 2011 | Insurance
If you have decided to purchase income protection insurance for yourself then surely it can prove to...
Finding cheap car insurance with best coverage
Published by Robmichae on March 16th 2012 | Insurance
Everybody is seeking ways to reduce their monthly expenses in today’s economy. As a matter of fact...
Buying insurance online- the smart thing to do
Published by Chris Luke on February 29th 2012 | Insurance
Buying insurance online is the new way to save. The reduced premiums and speed of transacting busine...
My cheap car insurance- your ticket to a perfect insurance policy
Published by Harrisonford on April 12th 2012 | Insurance
Companies offering cheap car insurance policies have become very important. Unemployed people or peo...
What signifies Commercial general liability insurance?
Published by Andrew Edwards on January 4th 2012 | Insurance
It is the major concern to go with the plans to get desirable protection against the frequently face...
Vauxhall Car Insurance is best way to get insurance
Published by Ahmadgill on January 17th 2012 | Insurance
Vauxhall Car Insurance Quote can give you help if you want to get insurance for your vehicle. It is ...
Let Georgia health insurance plan treat your medical expenses
Published by Ricky Martin on June 23rd 2012 | Insurance
So time has come, do let Georgia health insurance plan treat your medical expenses. It is a big burd...
Set your fundamentals correctly while looking for commercial insurance quotes
Published by Andrew Edwards on April 6th 2012 | Insurance
Run your business with lots of beneficial methods, don’t do anything wrong that can cause you big ...
The Series6 insurance
Published by Texasinsurance on November 30th 2011 | Insurance
Do you need to take the Series 6 exam? Do you have limited time to study? If your answer is "yes" to...
Things to remember about cheap car insurance
Published by Robmichae on March 2nd 2012 | Insurance
Car insurance might not be important for you but it is very important thing for your car. As you go ...
Look for car insurance in South Carolina
Published by Ronnie Brain on January 17th 2012 | Insurance
It is a legal requirement that you carry your auto insurance South Carolina all the time. Failure to...
Getting the best Georgia auto insurance
Published by Auto Insurances on January 17th 2012 | Finance
As the state of Georgia is very notorious for having a big number of car accidents and also incident...