What is a POS plan?

POS stands for point of service. A POS is a type of Medicare Advantage HMO plan that includes out-of-network coverage for certain services. On some CarePlus POS plans, the out-of-network coverage may have a different copay or coinsurance (your share of the cost) than if you go to one of our in-network providers. CarePlus plans with out-of-network coverage are labeled (HMO-POS).

Who is a good fit for this plan?

CarePlus has a large network of trusted providers, but in some areas a POS plan may give you more options beyond our network. This may help cover your care from a preferred doctor or hospital that’s not in our network. Depending on where you live, your cost for services from an out-of-network provider may be higher than the cost of seeing an in-network provider. Or, it may be exactly the same.

Why don’t all plans provide out-of-network coverage?

In most cases, CarePlus plans require you to see in-network doctors so we can keep your costs low while providing the best possible care. But for certain plans and areas, we recognize that out-of-network coverage can help give you more options.

Please keep in mind that even if your plan is not a POS plan, all plans cover out-of-network urgent and emergency care. In an emergency, please call 911 and go to your closest hospital.