A Point of Service (POS) plan combines some of the features offered by HMO and PPO plans. As with an HMO, members of a POS plan may be required to choose a primary care physician (PCP) from the plan's network of providers. Services rendered by your PCP may or may not be subject to a deductible. Similar to HMOs, POS plans typically offer coverage for preventive care visits. However, you can receive a higher level of coverage for services rendered or referred by your PCP. Services rendered by a non-network provider may be subject to a deductible and will likely be covered at a lower level. If services are rendered outside of the network, you'll likely have to pay up-front and submit a claim to the insurance company yourself. It is important to note that this may vary by insurance company.