Plans can vary widely between insurance carriers and those you may purchase on your own from the Health Insurance Marketplace. These are high-level descriptions of PPO vs POS plans. If you're not concerned about having to stay in-network, choosing a PCP, or getting referrals for other providers, then a POS plan may work for you.Д«efore choosing any health plan, make sure to review the details of coverage. POS plans cost less, but offer fewer choices than PPOs.This choice and flexibility comes with higher plan costs, though. No PCP required, no referrals, and coverage for both in- and out-of-network providers. If you're looking for a lot of choice and flexibility, you might consider a PPO.Which plan you choose depends on what best meets your needs. This includes both in- and out-of-network providers. As your point of service doctor they would have to refer to any other provider if needed, in order for you to receive coverage under your plan. With a POS plan you would be required to see your in-network PCP.If saving money is important, simply choose to stay in-network. If you choose to see providers outside the network you will pay more because coverage is lower. PPO plans do not require you to see in-network doctors and you don't need referrals, either.Some plans require you to see providers in a network. Network providers typically agree to offer discounted rates to customers, which is the advantage to staying in-network. POS plan?ДЄ network is made up of doctors and facilities that contract with an insurance provider. If you need to see specialists or get any other care, your PCP will coordinate it.Дo you have to see doctors in a network with a PPO vs. In fact, 'point of service' means that your PCP is your number one go-to for care-they are your initial point of service. POS plans require you to choose a PCP and to get referrals if you need to see other providers, except for OB-GYNS.Referrals to specialists are also not required. PPO plans do not require you to choose a PCP, but it's recommended.They get to know you and your health needs and can coordinate care with other specialists when needed.

Some health plans require you to choose a Primary Care Provider. The POS plans usually have lower premiums because they offer fewer options.Дo you have to choose a PCP with a PPO or POS? Typically you will have a higher premium with a PPO because it offers more options. Premiums: This is what you pay monthly for your plan.With a POS plan coinsurance costs could kick in if you need out-of-network care or fail to get referrals to see other providers. For a PPO plan your coinsurance kicks in once you've met your deductible. Coinsurance: You may be required to share some of the costs for your care with both a PPO and POS plan.This is a fee you pay to a doctor at the time of a visit or for a prescription medication. Copays: Both PPO and POS plans may require copays.POS plans typically do not have a deductible as long as you choose a Primary Care Provider, or PCP, within your plan's network and get referrals to other providers, if needed.

This means you pay for care and services until the deductible is met.

Deductibles: PPO plans usually come with a deductible.

Primary Care Provider (PCP) requirement.

Costs ( deductibles, coinsurance, copays, and premiums).

Here are some main features that you can compare to find out what makes a PPO different from a POS: This way you can make a decision based on your needs. When you're comparing health plans it's important to understand what sets them apart from one another. PPO vs POS: What are the main differences? There are many more details you'll want to compare, as well. POS, or Point of Service plans, have lower costs, but with fewer choices. A PPO, or Preferred Provider Organization, offers a lot of flexibility to see the doctors you want, at a higher cost. The following table shows the Aetna Choice POS II Plan details.In general the biggest difference between PPO vs. All in-network preventive services will be covered at 100% with no cost sharing. You also have the choice of seeking care from in-network or out-of-network providers, although cost of services will vary. In a point-of-service (POS) plan, you do not have to select a primary care physician or obtain a referral to see a specialist, although there are advantages to doing so. AETNA CHOICE POINT OF SERVICE (POS) II PLAN

Aetna choice pos ii