What is a Point-Of-Service?

A Point-of-Service offers all the benefits of a quality HMO by emphasizing the role of the primary care physician, plus the freedom to access any physician or hospital without a referral by utilizing he Self-Referred feature. It provides excellent benefits with little or no out-of-pocket costs for covered services provided or referred by your primary care physician. The Self-Referred feature, like Comprehensive Major Medical coverage, offers the freedom to choose any doctor or hospital, and members share the costs of medical expenses through deductibles and coinsurance.

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