Preventive and wellness treatment is emphasized with a point of service plan, just as in an HMO. There is no deductible with a POS plan, and co-pays are usually low for in-network care. For those who choose to find care outside of the plan's network, the cost increases and the consumer becomes responsible for a deductible of between $300 - $600. In addition, he or she will have to pay a co-pay that can amount to 30-40% of the physician's charges. Fortunately, even those who choose to leave the network will not have to pay beyond a certain amount for care. This limit of payment is called a cap, and can be as much as $4,000 for the average-sized family. Individuals have to pay just under half of that amount.
With the flexibility offered by a point of service plan, it is a popular choice for families and those who have an ongoing medical condition. Adults in a family may choose to have one physician, while their children can continue to visit the same pediatrician. And since consumers don't have to have a gatekeeper who tells them who to see outside of the network, those who need to keep on top of their condition can see who they need to see regardless of whether the physician belongs to their policy's network or not.
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