No, it’s an HMO that has some benefits out of network. A PPO allows all benefits out-of-network, albeit at a higher cost-share to the beneficiary.Since the HMO-POS is not a standardized plan, the services out of network can vary from plan to plan. Review plan materials to verify the out-of-network benefits.For example, you have an out-of-network cardiologist. You want the HMO style benefits. And you want to keep your cardiologist.Check the HMO-POS plans in your area for one that allows out-of-network for specialists. It lets you see your out-of-network specialist.