Direct answer
A POS plan allows you to go out-of-network for care if you pay more, whereas an HMO typically provides no coverage for non-emergency care outside of the provider network.
Publicly available summary of benefits and coverage documents from major health insurance carriers. For additional information about how these health plans differ, see the HealthCare.gov guide to plan types.
What this means for you
A POS plan allows you to go out-of-network for care if you pay more, whereas an HMO typically provides no coverage for non-emergency care outside of the provider network.
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This page is informational and not a coverage guarantee or quote.
