Point of Service - often called the POS - is an option built into some health care plans that use a network of health care providers. In this case, the POS allows the consumer to decide to use a doctor, hospital or other health care service that falls outside the recognized network. The downside is that the consumer will typically pay a greater percentage or co-payment for the services from an out-of-network health care provider. On the upside, the patient has to option to select another doctor - for whatever reason - and still have at least some health insurance benefits.

The reason an insurance provider makes a list of preferred physicians and hospitals is to attempt to retain better control over health care costs. The insurance company may be getting a break on the costs, for example. However, insurance companies recognize that the doctor of choice may not be a part of that network and that a patient should have at least some say in the matter. Some insurance companies have answered that demand by adding the POS to a health insurance policy.

If that option is important to you, ask about the point of service options on any police you’re considering. You should also find out what amount is required for co-pays if you choose to take advantage of that option.