What is a characteristic of a Point of Service (POS) plan?

A Point of Service (POS) plan is designed to offer members the flexibility of receiving care from both in-network and out-of-network providers. One key characteristic of a POS plan is that while it provides extensive out-of-network benefits, these typically come with reduced costs compared to going out of network. This means that although there is a higher cost associated with using out-of-network services, it is more manageable than in other types of plans, which may limit out-of-network benefits significantly.

Members of a POS plan are encouraged to select a primary care physician (PCP) who coordinates their healthcare, but they also have the option to seek specialty care or services outside of their network as needed. The other choices refer to concepts not typically associated with POS plans. For instance, while POS plans do provide coverage for in-network services, they do not exclusively cover them. Additionally, being exclusively for low-income individuals narrows the target audience of POS plans improperly. Lastly, claiming that a POS plan does not require a primary care physician overlooks the structure that encourages this model for better care coordination.