An HMO POS plan is a Health Maintenance Organization (HMO) plan with added Point of Service (POS) benefits. These added benefits give you more flexibility when you need care. Under the HMO benefits of the plan, you have access to certain doctors and hospitals, called your HMO provider network. You choose a primary care physician (PCP) from the HMO network who will manage your care. You’ll need a referral to see a specialist to receive the HMO benefits. With a Blue Cross and Blue Shield of Texas HMO POS plan, you also have the choice to go outside the network or see a specialist without a PCP referral. When you do this, the cost of the care will be covered at the POS benefit level, which is lower than in-network coverage. This means you’ll pay more out-of-pocket, but will have some benefits you wouldn’t have with an HMO.
In summary, an HMO POS plan is a type of health insurance plan that combines the features of an HMO plan with added Point of Service (POS) benefits, which give you more flexibility when you need care.
