Which statement best describes a Point-of-Service (POS) plan in relation to HMO and PPO?

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A Point-of-Service plan blends features of an HMO and a PPO. You typically choose a primary care physician who coordinates your care and provides referrals for specialists, just like an HMO. But unlike a pure HMO, a POS plan lets you go outside the network for services, with some coverage still available—though you’ll pay higher out-of-pocket costs and usually a larger share of the bill when you aren’t in-network. This combination gives you gatekeeping and lower costs when you stay in-network, plus flexibility to seek non-network care at a higher cost. The other statements aren’t correct because they either imply no out-of-network option, or no gatekeeping, or that costs are the same across networks, which doesn’t describe how a POS works.