Plan types
POS (Point of Service)
A hybrid plan combining HMO and PPO features. You typically choose a PCP and need referrals for specialists, but you can also see out-of-network providers at a higher cost. Less common than HMO, PPO, or EPO in modern markets but persists in some employer plans.Last reviewed: · TMRW Benefits is a benefits brokerage, not a tax or legal advisor. Consult a CPA or attorney for situation-specific guidance.
Related terms
HMO (Health Maintenance Organization)
In-network only with PCP referrals. Lowest premiums.
Read definitionPPO (Preferred Provider Organization)
See any provider, no referrals. Broadest networks.
Read definitionPCP (Primary Care Physician)
Main doctor coordinating care. Required for HMOs.
Read definitionMore in Plan types
HMO (Health Maintenance Organization)
In-network only with PCP referrals. Lowest premiums.
PPO (Preferred Provider Organization)
See any provider, no referrals. Broadest networks.
EPO (Exclusive Provider Organization)
In-network only, but no referrals required.
HDHP (High-Deductible Health Plan)
Higher deductible, lower premium. Pairs with an HSA.
Catastrophic plan
Low-premium ACA plan for under-30s or hardship-exempt.
Short-term medical
Bridge coverage. NOT ACA-compliant.
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