Medicare also has both PPO and HMO options. POS ⦠Preferred Provider Organization (PPO) Other less common plan types include Point of Service (POS) and Exclusive Provider Organization (EPO). POS stands for point of service plan and makes up only 9% of health plans. This infographic lays out the key differences between these four popular health plans. Decide which type of plan â HMO, PPO, EPO or POS â is best for you and your family, and whether you want an HSA-eligible plan. A base medical plan is the basic minimal coverage offered to every member of an insured group, but a buy-up plan has selected changes and additions to allowable coverage for a slightly higher premium Fully explore what the medical insurance needs are for your household and know when any needed changes can be done to A PPO may be better if you already have a doctor or medical team that you want to keep, but who donât belong to your plan network. HMO, POS, PPO, and HDHP: Making Sense of Different Types of Health Plans June 07, 2018 If you're shopping for a new health plan, you may hear a lot about HMO, POS, PPO, and HDHP plans â but you may not understand the differences between them. HSAs allow individuals/employers to set aside money on a pre-tax or tax-deductible basis and then withdraw the money tax-free to pay qualifying medical expenses. Itâs your choice. When comparing different individual health plans, you should start with what features are most important to you and your family. HMO vs. FFS vs. PPO Insurance Plans . Health Savings Accounts (HSAs) were created by the Medicare bill signed by President Bush on December 8, 2003. Aetna Choice® POS II Plan www.aetna.com 02.02.306.1 M (8/16) A point-of-service (POS) plan lets you visit network and out-of-network doctors and hospitals. However, like with a PPO plan, you can see out-of-network health care providers but at a higher cost. Pearson says the explanation may be that insurers anticipated that people who bought a PPO would probably want to use out-of-network providers. Under a POS plan, like with an HMO plan, you usually need a primary care doctor referral to see a specialist. These days, the choice of PPO vs. HMO vs. EPO vs. POS vs. any other option may matter less than the specific plan you choose, since there are no ⦠What to consider when choosing a health insurance plan If you are eligible or over the age of 65, you might want to check out Humanaâs Medicare PPO plan or Humanaâs Medicare HMO plan. A point of service (POS) plan also blends elements of HMO and PPO plans. POS plans made up 12 percent and EPO plans 7 percent. Two significant considerations are cost and access to the health care providers you prefer to use. Medicare HMO & PPO. In fact, point of service means that the health care consumer gets to choose whether to use HMO or PPO services each time you see a provider. 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