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POS Plan

🩺 Health

A hybrid health plan: HMO-style referrals with the option to go out-of-network (for more cost) like a PPO.

This is a friendly general explanation, not legal or policy language. Exact coverage depends on your policy, carrier, and state. 🤝

Written and reviewed by the We Insure Things team — licensed independent insurance agents. Last reviewed July 23, 2026. Questions? Ask a licensed agent.

Copay Out-of-Pocket Maximum Network HMO PPO High-Deductible Health Plan (HDHP) Health Savings Account (HSA) Explanation of Benefits (EOB)

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