A Point of Service (POS) plan is a type of managed care plan that allows members to choose to receive care from a participating or non-participating health care provider, with different benefit levels associated with the use of participating physicians. Similar to the PPO and HMO, the POS managed care plan has a group of health care providers and hospitals that are contracted to be part of the network. Members of a POS are encouraged but not required to select a primary care physician (PCP) for referrals. If members use a PCP for referrals, they may pay lower deductibles and copayments than a member who does not use a PCP. This managed care plan gives members more flexibility and freedom to play a role in their personal health care than a traditional HMO.