What is a key feature of HMO POS plans regarding service coverage?

HMO POS plans, or Health Maintenance Organization Point of Service plans, are designed to provide a balanced approach to health coverage. A key feature of these plans is that they predominantly focus on in-network services, meaning that enrollees receive most of their care from a defined network of providers. This approach typically ensures lower out-of-pocket costs for the consumer.

While HMO POS plans do allow for some flexibility to access out-of-network services, this is not the primary function of the plan. Therefore, the emphasis on in-network services is a defining characteristic, which provides both structure and cost efficiency for those enrolled. By encouraging members to utilize a network of providers, these plans can maintain lower premiums and more controlled healthcare expenses.