A health benefits plan that provides coverage for care received from both participating providers - such as doctors and hospitals - and non-participating providers. In many POS plans, patients whose care is directed through referrals from their primary care physician (PCP) receive a higher level of benefits, while patients who go directly to other [..]

  A hybrid health insurance plan, adopting an HMO for an in-network plan and an indemnity plan for a non-network plan – the coverage is based on the point of service (in or out of network).