Copyright 2008 The Insurance Files
     POS stands for Point of Service, the term coming from the way POS health insurance works. When you open a POS policy, your first task is to choose a primary physician from within the provider network. The doctor you choose will of course be responsible for monitoring your health care but they also become your point of service. They are given that title because the primary care doctor mus be seen first and from there that doctor will refer you to a specialist or specific type of health service. Policyholders are advised to handle their business in this manner in order to receive the maximum coverage available. Usually your primary physician will refer you to another in-network provider, but when that is not a possibility and the doctor refers you out-of-network, then the insurance will still pay the majority if not all of the bill. If you refer yourself,

known as a self-refer, to an out-of-network provider, you will be responsible for a potentially higher cost, but you will also have to fill out any necessary forms yourself, send the bills for payment and keep record of your medical expense receipts yourself. POS insurance tends to cost more than other health insurance plans, but as a result the policyholder has more freedom and virtually no paperwork, which is always a plus. If you are interested in a POS health insurance plan, be sure to get a free health insurance quote and after you find the program you like best, be sure to ask questions or search the FAQ on their website. You will definitely need to look into what doctors are hospitals are in their network and if they are close by and of course how much the monthly cost will be and if there are any additional costs to worry about.