What Is a Point of Service (POS) Plan?

A Point of Service plan, or POS, is a health plan that uses certain doctors and hospitals, called your POS provider network. A POS plan has a lower premium than a PPO plan, but still provides options for choosing health care providers. These added choices may give you more flexibility when you need care.

POS plan features:

  • You’ll choose a primary care physician (PCP) from the POS network to manage your health care needs.
  • You’ll have a lower deductible and coinsurance if you see a provider in the POS network.
  • You can see an out-of-network provider, but you will pay more of the bill.
  • Emergency services are covered at the highest benefit level whether the provider is in the POS network or not.
  • For the few covered services not available within the POS network, you may see an out-of-network provider at the in-network benefit level.
  • You don’t need a referral to see a specialist. But make sure your PCP knows of the providers in this network.

Is a POS Right for You?

When shopping for a health plan for you and your family, ask these questions to see if a POS may be right for you:

  • What type of health care do I expect for the coming year?
  • Are the doctors and hospitals I use now, and may need in the future, in the POS network?
  • If not, am I willing to see different providers so I have a lower monthly premium?
  • Which POS plans are available, compared with the broader PPO networks?

View Plans

Please send us your question so a licensed agent can contact you.

Please enter a valid first name

Please enter a valid last name

Please enter a valid phone number

Please enter a valid email address

How would you prefer to be contacted?

Please enter a question

You must be at least 18 years old to submit a request.

*Required

Thank you!

Your information has been received.

Sorry!

There has been an error with your submission.

We can send you an email with information on our health care plans.

Please enter a valid first name

Please enter a valid last name

Please enter a valid email address

Please enter a valid phone number

If you provide a phone number, an agent may call you to make sure that you received the information and to answer any questions that you might have.

You must be at least 18 years old to submit a request.

*Required

Thank you!

Your information has been received.

Sorry!

There has been an error with your submission.

Please select the product you are interested in:

Please enter a valid first name

Please enter a valid last name

Please enter a valid email address

Please enter a valid date of birth (MM/DD/YYYY)

Please enter a valid city

Please select a state

Please enter a valid zip code

Please enter a valid phone number

You must be at least 18 years old to submit a request.

*Required

Thank you!

Your information has been received.

Sorry!

There has been an error with your submission.

 

Need Assistance Shopping?

Sales Questions and Additional Plan Information:
1-855-594-1515
Calls may or may not be answered inside the United States.

Monday – Friday: 7 a.m. – 7 p.m. MT
Saturday: 7 a.m. – 5 p.m. MT
Sunday: 9 a.m. – 1 p.m. MT

Customer Service:
1-855-258-8471
Calls may or may not be answered inside the United States.

Monday – Friday: 6 a.m. – 7 p.m. MT
Saturday: 7 a.m. – 4 p.m. MT
Sunday: Closed

Already a member?
Call the Customer Service number on the back of your member ID card.

New to Medicare or Need Help Shopping for a Plan?

Call us at 1-866-940-3022 TTY 711

We’re open between 8 a.m. – 8 p.m., local time, 7 days a week. If you’re calling from April 1 through September 30, alternate technologies (for example, voicemail) will be used on the weekends and holidays.