Which statement is NOT true about Point-of-Service (POS) plans?

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Multiple Choice

Which statement is NOT true about Point-of-Service (POS) plans?

Point-of-Service plans blend features of HMOs and PPOs. They require you to choose a primary care physician who acts as a gatekeeper, meaning you usually need referrals to see specialists. They also offer some coverage for care received out of network, though at higher out-of-pocket costs than in-network care. Because of this combination, POS plans are typically more expensive than a pure HMO, yet they provide more flexibility than a PPO. The statement that describes having no gatekeeping and strictly in-network coverage doesn’t fit POS plans, since gatekeeping is a core part of how they operate and some out-of-network coverage is allowed.

Point-of-Service plans blend features of HMOs and PPOs. They require you to choose a primary care physician who acts as a gatekeeper, meaning you usually need referrals to see specialists. They also offer some coverage for care received out of network, though at higher out-of-pocket costs than in-network care. Because of this combination, POS plans are typically more expensive than a pure HMO, yet they provide more flexibility than a PPO. The statement that describes having no gatekeeping and strictly in-network coverage doesn’t fit POS plans, since gatekeeping is a core part of how they operate and some out-of-network coverage is allowed.

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