What is POS Insurance. The Point-of-Service (POS) insurance plans allow patients to choose a primary care physician (PCP) within the network, like an HMO, but also offers the flexibility to seek care outside the network, similar to a PPO, though usually with higher out-of-pocket costs. It is some kind of a hybrid plan that works as HMO or PPO.

Usually, POS insurance is given or offered via employer-sponsored group plans, not directly to individuals and families.

What is POS Insurance

This kind of insurance is a hybrid type wherein you can be a PPO or HMO patient. 

Horizon is one of the POS insurances in New Jersey.

Coordinate your care with the Primary Care Physician (PCP) you select through your Horizon POS plan. Your PCP refers you to specialists available to you through your Horizon POS plan and submits your claims. Or you can go directly to any other licensed physician in exchange for paying more costs and submitting your own claims.

As a Horizon POS member, you have access to many health care services and programs and our large participating physician and hospital networks. We’ve made your health care plan easy for you to understand and use. We offer preventive health care benefits, an easy-to-use referral system, direct access to your Ob/Gyn, emergency medical care, value-added programs, and much more. You also have the choice of going directly to any provider for care. We refer to this as out-of-network care.

There is still other POS insurance in New Jersey but again it is not offered directly to you. Your employer may know it.

TIPS AND WARNINGS:

• POS insurance in New Jersey is a hybrid. Ask your employer if your insurance they gave you is a POS for your peace of mind.