What is a POS in Health Insurance Video

What is a POS in Health Insurance

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What is a POS in Health Insurance -

Learn about POS in health insurance in this video with Bob Hurley from eHealth Insurance....

What is a POS in Health Insurance -

Learn about POS in health insurance in this video with Bob Hurley from eHealth Insurance.

Added: 8/3/09

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What is a POS in Health Insurance bob hurley ehealth insurance health insurance health insurance account health insurance coverage health insurance payments Health Insurance Plan hsa insurance medical insurance monkeysee pos premium health insurance work insurance

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What is a POS in Health Insurance

What is a POS? Bob Hurley: POS plans are a Point of Service plans and they are very different. They are kind of a combination between a PPO and an HMO and basically, the idea behind a POS plan was that it would give the consumer more flexibility to choose a provider and if they go out of the HMO network, then they would fall under a PPO. If they stay in the HMO network, they would fall under the pricing and so on of the HMO. So again, POS stands for Point of Service, the decision as to whether you’re utilizing a PPO or an HMO is pretty much made at the Point of Service. These were originally designed to try to give more flexibility to the people that had an HMO or a maintenance organization. So it was an attempt to get them the most out of a management organization or Health Maintenance Organization or an HMO, while giving you the flexibility of having a PPO and so the pricing was somewhere in between a PPO and an HMO. I don't see many POS plans sold in the individual market. Not many individuals and families are choosing to buy a POS plan, a vast majority of individual and family consumers who are buying health insurance for themselves or buying a PPO product.

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What is a POS?
Bob Hurley: POS plans are a Point of Service plans and they are very different. They are kind of a combination between a PPO and an HMO and basically, the idea behind a POS plan was that it would give the consumer more flexibility to choose a provider and if they go out of the HMO network, then they would fall under a PPO. If they stay in the HMO network, they would fall under the pricing and so on of the HMO. So again, POS stands for Point of Service, the decision as to whether you’re utilizing a PPO or an HMO is pretty much made at the Point of Service.
These were originally designed to try to give more flexibility to the people that had an HMO or a maintenance organization. So it was an attempt to get them the most out of a management organization or Health Maintenance Organization or an HMO, while giving you the flexibility of having a PPO and so the pricing was somewhere in between a PPO and an HMO.
I don't see many POS plans sold in the individual market. Not many individuals and families are choosing to buy a POS plan, a vast majority of individual and family consumers who are buying health insurance for themselves or buying a PPO product.

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