A Point of Service plan is a HMO hybrid plan. It offers a comprehensive array of benefits with a panel of network providers, but also provides a benefit for out of network providers.

Highlights of a typical plan include, but are not limited to:

• A network of Doctors and Specialists to choose from.
• In Network Co-Pays for services performed by a network provider.
• Built in Prescription coverage or Prescription Drug Cards.
• Out of Network Coverage (works on a deductible and co-insurance basis).
• Referrals REQUIRED to receive In Network Specialist care.
• Lower Costs.

**Source for information taken from The Health Insurance Answer Book - Aspen Publishers, Inc.

E-Mail Nicholas Vignapiano for more information.