Look at your needs and see how an HMO-POS may benefit you.We all have doctors that we like. We also want the most coverage for the least amount of money.HMO-style plans typically contain more robust benefits than the other styles of coverage.HMO-style plans have lower premiums, copay, and other costs. They also give a more robust benefits package. For these reasons, many people gravitate towards HMO plans.Many times you find the plan that has the benefits that you want. Then we check to see if the doctors we want are in-network. We realize some of our doctors are out-of-network. We then look for an HMO-POS that allows those out-of-network doctors.