A POS plan’s flexibility includes which capability?

A POS plan’s flexibility includes which capability?

• A. The member can choose plan options at time of service
• B. Only in-network services allowed
• C. Requires referrals for all specialty care
• D. No out-of-network coverage ever

Answer: (A)

Point-of-Service plans blend features of HMOs and PPOs, giving you flexibility at the moment you need care. You can choose between in-network and out-of-network options when you receive services, with different costs and requirements depending on the choice. That ability to decide your path at the time of service is what the statement about choosing plan options at the time of service captures, making it the best answer. The other descriptions imply strict in-network-only coverage, universal referrals for all specialty care, or no out-of-network coverage, which don’t characterize POS plans’ flexible structure.

Point-of-Service plans blend features of HMOs and PPOs, giving you flexibility at the moment you need care. You can choose between in-network and out-of-network options when you receive services, with different costs and requirements depending on the choice. That ability to decide your path at the time of service is what the statement about choosing plan options at the time of service captures, making it the best answer.

The other descriptions imply strict in-network-only coverage, universal referrals for all specialty care, or no out-of-network coverage, which don’t characterize POS plans’ flexible structure.