Mr. Polanski likes the cost of an HMO plan available in his area, but would like to be able to visit one or two doctors

Mr. Polanski likes the cost of an HMO plan available in his area, but would like to be able to visit one or two doctors who aren't participating providers. He wants to know if the Point of Service (POS) option available with some HMOs will be of any help in this situation. What should you tell him?

The POS option can be a good solution for him as it will allow him to meet with out-of-network providers, usually without prior approval. However, he should be aware that it is likely that he will have to pay higher cost-sharing for services from out-of-network providers.