Direct answer
It depends on your provider network usage; while POS plans offer more flexibility to see out-of-network doctors than an HMO, they typically carry higher out-of-pocket costs when you choose to go outside the primary care network.
Internal cost-benefit analysis of managed care plan structures and premium filings. For additional information on how managed care structures impact consumer premiums and plan design, see the KFF employer health benefits survey.
What this means for you
It depends on your provider network usage; while POS plans offer more flexibility to see out-of-network doctors than an HMO, they typically carry higher out-of-pocket costs when you choose to go outside the primary care network.
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