This type of plan combines features of HMOs and PPOs.It uses a network of participating physicians and medical professionals who have contracted to provide services for certain fees.

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The option that describes a plan combining features of HMOs and PPOs is a Point-of-service plan (POS). It works via a network of contracted physicians and medical professionals who offer services at predetermined fees. POS plans enable members to select in-network or out-of-network healthcare providers, with higher out-of-pocket costs applying for out-of-network care. This blend of features is what makes the POS a hybrid of the HMO and PPO models.

This Type of Plan Combines Features of HMOs and PPOs