What is a POS plan in health insurance?
A type of plan in which you pay less if you use doctors, hospitals, and other health care providers that belong to the plan’s network. POS plans also require you to get a referral from your primary care doctor in order to see a specialist.
Is it good to have 2 insurance?
Having access to two health plans can be good when making health care claims. Having two health plans can increase how much coverage you get. You can save money on your health care costs through what’s known as the “coordination of benefits” provision.
What is a POS vs PPO?
In general the biggest difference between PPO vs. POS plans is flexibility. A PPO, or Preferred Provider Organization, offers a lot of flexibility to see the doctors you want, at a higher cost. POS, or Point of Service plans, have lower costs, but with fewer choices.
Is a POS plan a PPO?
A point-of-service plan (POS) is a type of managed care plan that is a hybrid of HMO and PPO plans. Like an HMO, participants designate an in-network physician to be their primary care provider. But like a PPO, patients may go outside of the provider network for health care services.
Is Premera Blue Cross Medicare?
Premera Blue Cross is an HMO plan with a Medicare contract. Enrollment in Premera Blue Cross depends on contract renewal.
Is Premera only in Washington State?
Premera Blue Cross is headquartered in Mountlake Terrace, WA, with more than 3,250 employees working in operations in Seattle and Spokane, WA and Anchorage, AK. The company and its predecessors have operated in Washington since 1933 and in Alaska since 1952.
How is POS different from PPO?
Is premera only in Washington State?
Is premera a PPO?
Individual: Premera has individual preferred provider organization (PPO) and PPO HSA plans available to residents throughout the state of Alaska. These are sold to individuals through the Exchange marketplace.
Is Premera Blue Cross only in Washington State?
Premera Blue Cross Group Plans are available throughout Washington State under the Blue Cross brand (except Clark County). Premera Blue Cross Individual Plans are available in the following counties: Franklin, Grays Harbor, King, Kitsap, and Pacific.