SOCIAL ISSUES IN THE UNITED STATES
TYPES OF PLANS IN THE UNITED STATES
Point-of-Service Plans
Point-of-service (POS) plans combine aspects of indemnity health insurance policies with some elements of PPOs. Like PPOs, point-of-service plans establish contracts with health care providers who agree to offer services to plan members. Unlike PPOs, which require participants to select a preferred provider in advance, point-of-service plans allow participants to choose at the time they need health care whether to seek treatment within the plan's network of health care providers or outside the network. Expenses for services received outside the network are reimbursed, usually after the patient pays a specified deductible amount and a coinsurance percentage. The benefits are exactly the same as in a PPO plan if the services are provided by a health care provider on the preferred list. The benefits are exactly the same as an indemnity policy if the health care provider is not on the preferred list.
OBTAINING COVERAGE
FEATURES OF HEALTH INSURANCE POLICIES
LEVEL OF COVERAGE
SPECIFIC BENEFITS
HISTORY IN THE UNITED STATES
HEALTH INSURANCE IN
