How does a POS differ from HMOs and PPOs?

Point-of-Service (POS) health plans are generally more flexible than Health Maintenance Organizations (HMOs) and Preferred Provider Organizations (PPOs) and combine the features of HMOs and PPOs. You will typically have more freedom to choose services and service providers. When you receive services within the network, you pay a copayment or percentage of the cost, like you would with an HMO. But when you obtain care outside the network, you pay a deductible and a percentage of the cost similar to a Fee-for-Service plan. In an HMO, you are most often restricted to doctors within a specific group. You are encouraged to see your primary care physician for most of your health care, but you don't need a referral to see another physician.  Without a referral, however, you may end up paying almost all of the cost. Point-of-service plan’s covered items, rules and fee structures vary, so read your plan's evidence of coverage.