Difference Between PPO And POS

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Difference Between PPO And POS. In this article, you will read about what is PPO, what is POS, and what is the main difference between PPO and POS. Both the terms are related to each other, but have significant differences between them. Here, we will first understand the main difference between PPO and POS, then differentiate between them in detail.

In US and many other foreign countries, a citizen is given an insurance plan to receive medical treatment by consulting doctors and various specialists. These insurance plans are pretty expensive. But, the government provides various types of plans, so an individual can choose the health insurance plan according to their needs. The plans may differ in terms of cost, size of the plan network, coverage of out-of-network services, availability of specialists.

There are three types of health insurance plans, i.e. HMO, PPO, and EPO. In this piece of information, we will discuss PPO and POS.

What Is The Main Difference Between PPO And POS?

The main difference between PPO and POS is that the:

-PPO stands for ‘Preferred Provider Organization’. It is a health insurance plan that provides hospitals, doctors, and specialists outside or inside the network, according to the desire of patients. It is expensive.

-POS stands for ‘Point Of Service’. It is a health insurance plan that provides health services with fewer choices and low cost. It is a combination of HMO and PPO plan. You can choose your doctor or specialist in or out-of-network, but the services will be better if you stay in-network.

Difference Between PPO And POS - chart

What Is PPO?

PPO stands for ‘Preferred Provider Organization’. It is a health insurance plan that provides hospitals, doctors, and specialists outside or inside the network, according to the desire of patients. It is expensive. It has fewer restrictions as compared to other health insurance plans. It allows the patients to seek treatment without any limitations.

PPO does not ask for a referral for special visits or tests from PCP. And also the registration of PCP is not required. It provides your desired services in-network and out-of-network with slightly charges. As it is an expensive health insurance plan but offers higher coverage with effective flexibility.

What Is POS?

POS stands for ‘Point Of Service’. It is a health insurance plan that provides health services with fewer choices and low cost. It is a combination of HMO and PPO plan. You can choose your doctor or specialist in or out-of-network, but the services will be better if you stay in-network.

In POS, you need a referral from PCP. PCP is actually referred to as from where and which provider you get services. Your services and coverage will depend on whether you choose in-netwrok or out-of-network.

featured image source: www.tfp.mu

Also check: Difference Between HMO And PPO

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