What type of plan is a hybrid of two networks where members may choose from a primary or secondary network?

A point-of-service plan (POS) is indeed a hybrid of two networks, allowing members the flexibility to choose between a primary network, which often resembles that of a health maintenance organization (HMO), and a secondary network akin to a preferred provider organization (PPO). This structure provides significant advantages for members who want the convenience of lower out-of-pocket costs when accessing services through a primary care physician within the HMO-like network. However, if they prefer to see a specialist or provider outside of that network, they have the option to do so, albeit typically at a higher cost.

The design of a POS plan encourages patients to utilize their primary care provider to coordinate care, ensuring a comprehensive approach, while still granting them the autonomy to seek further care from external providers as their needs dictate. This flexibility in network choices is a defining characteristic of POS plans, making them a popular option for those who desire both managed care and the freedom to choose their healthcare providers.