In general, the biggest difference between PPO and POS plans is flexibility. A PPO, or Preferred Provider Organization, offers a lot of flexibility to see the doctors you want at a higher cost. POS plans, or Plans Point of Service PlansserviceThey have lower costs but fewer options. There are many other details that you should also compare.
PPO vs POS: What are the main differences?
When you compare health plans it is important to understand what differentiates one from another. In this way, you can make a decision according to your needs. Here are some of the top features you can compare to see what sets PPO plans apart from POS:
- Costs (deductibles, coinsurance,cupagosand premiums)
- Primary Care Provider (PCP) Requirement
- Requirement within the network
- Referrals to other providers
Cost comparison between PPO and POS
As for the costs of PPO and POS plans, how do they compare?
- Deductibles: PPO plans often come with a deductible. This means you pay for care and services until the deductible is met. Then the plan starts sharing the costs. POS plans generally don’t have a deductible, as long as you choose a primary care provider (PCP) within your plan’s network and get referrals to other providers, if needed.
- Copays: Both PPO and POS plans may require copays. This is a fee you pay to the doctor during a visit or for a prescription drug.
- Coinsurance: You may have to share some of the costs of your care with both PPO and POS plans. For a PPO plan, your coinsurance kicks in once you’ve met your deductible. With a POS plan, coinsurance costs can kick in if you need out-of-network care or can’t get referrals to see other providers.
- Premiums: This is what you pay monthly for your plan. In general, the premium will be higher with a PPO plan because it offers more options. POS plans generally have lower premiums because they offer fewer options.
Do you have to choose a PCP with a PPO or POS plan?
For some health plans, you are required to choose a primary care provider. A PCP can serve as the foundation for care. He knows you and your health needs and can coordinate care with other specialists when needed.
- With PPO plans you do not need to choose a PCP , but it is recommended. Referrals are also not required for specialists.
- POS plans require you to choose a PCP and get referrals if you need to see other providers, except OB/GYNs. In fact, “point of service” means that your PCP is your first health care provider, your initial point of service. If you need to see other specialists or get any other care, your PCP will arrange it.
Should you see doctors who are in-network with a PPO plan or with a POS plan?
A network is made up of doctors and facilities with which an insurance provider contracts. Network providers generally agree to offer their customers reduced rates, which is the advantage of staying in network. Some plans require you to see in-network providers.
- PPO plans don’t require you to see in-network doctors and you don’t need a referral. If you choose to see providers outside the network, you will pay more because the coverage is less. If you prefer to save money, simply choose to stay in network.
- With a POS plan, seeing your in-network PCP is a requirement. As this doctor is your point of service, he will refer you to any other provider if necessary, so that you can receive coverage according to your plan. This includes both in-network and out-of-network providers.
Should you choose a PPO plan or a POS plan?
The plan you choose will depend on what best suits your needs.
- If you’re looking for a variety of options and flexibility, you might consider a PPO. No PCP required, no referrals required, and you’ll have coverage for both in-network and out-of-network providers. This variety of options and flexibility means higher plan costs.
- POS plans cost less but offer fewer options than PPOs. If you’re not worried about staying in-network, choosing a PCP, or having referrals to other providers, then a POS plan may be right for you.
Before choosing any health plan, be sure to review the coverage details. These are high-level descriptions of PPO vs. PPO plans. POS. Plans can vary widely between insurance companies and those you can buy on your own at the Market Insurance Marketdoctors .