Introduction to POS Health Insurance Policy
Today, it is no secret that the cost of medical services continues to rise up. That said, people who need to live with chronic diseases are worried if they will be able to afford the medicines needed to manage their illness. Medicines sold at US, Mexican or Canadian pharmacy stores vary in price and having a health insurance in place will help up ease up the financial burden. One type of health insurance policy that is gaining popularity in the recent years is the POS health insurance.
Point of Service health insurance is a kind of health care program which aims to build a consumer-friendly environment where health care services are affordable and efficient while maintaining high standard of quality. This health care program is supervised and managed to make sure that it dispenses quality service at an attainable cost. Here are some basic information about the features and benefits of Point of Service health insurance.
Point of Service (POS) health insurance policies are sometimes referred to as hybrid health care plans because they contain certain features of Preferred Provider Organizations (PPOs) and Health Maintenance Organizations (HMOs), and combine them to provide more freedom to consumers. POS has this advantage over HMO as it offers subscribers more autonomy when choosing physicians and health package.
Network of Doctors and Clinics
Point of Service health care plans keep costs down by employing the services of doctors and clinics at reasonable prices in exchange for being admitted into the program. These services are then passed to patients who must choose when they need to visit their physician. Patients who were referred outside the network can still enjoy the benefits of the plan.
Many POS health plans encourage subscribers to choose a personal doctor from the network as primary care physician. It is generally the best choice money-wise, although it is not required under the plan.
While Point of Service health insurance focus more on local network physicians, it maintains a national network of approved health providers as well. Patients are allowed the freedom to choose in-network health care if they are traveling from one place to another. However, it goes without saying that patients must go to the nearest hospital in case they need immediate health attention, regardless if the hospital is a member of the POS network or not.