Often known as open-ended HMOs or PPOs, these plans permit insureds to choose providers outside the plan yet are designed to encourage the use of network providers.
Point-of-service (POS) insurance plans are managed care plans similar to both HMO's and PPO's. They offer more choice but typically cost more to purchase. They reward members for using less care and saving the insurance company money.
Plans that permit insured persons to choose providers outside the plan but that are designed to encourage use of network providers.