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A point-of-service (POS) plan lets you visit network and out-of-network doctors and hospitals. It's your choice. Health insurance plans are offered, underwritten and/or administered by Aetna Life Insurance Company (Aetna). This plan gives you flexibility.

Administered by Aetna, the Point-of-Service (POS) II plan doesn't require a Primary Care Provider (PCP) or referrals, even when using in-network providers. You can go to any provider, but your out-of-pocket costs are based on the type of provider you use: In-Network Providers.

Aetna Better Health® of California requires prior authorization for select acute outpatient services and planned hospital admissions. Prior authorization is not required for emergency services. A current list of the services that require authorization is available on ProPAT, our online prior authorization search tool.

POS: An affordable plan with out-of-network coverage Like an HMO, a Point of Service (POS) plan may require you to get a referral from your PCP to see a specialist. For slightly higher premiums than an HMO, this plan does cover out-of-network doctors. But you'll pay more.

With the Aetna Open Choice ® POS II plan, members can visit any doctor, hospital or facility, in or out of network, with no referrals. But depending on their plan, choosing a primary care physician (PCP) and staying in network could cost less.

Administered by Aetna, the Point-of-Service (POS) II plan doesn't require a Primary Care Provider (PCP) or referrals, even when using in-network providers. You can go to any provider, but your out-of-pocket costs are based on the type of provider you use: In-Network Providers.

In general, the biggest difference between PPO vs. POS plans is flexibility. A PPO, or Preferred Provider Organization, offers a lot of flexibility to see the doctors you want, at a higher cost. POS, or Point of Service plans , have lower costs, but with fewer choices.

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© Copyright 1997-2025
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Form Packages
Adoption
Bankruptcy
Contractors
Divorce
Home Sales
Employment
Identity Theft
Incorporation
Landlord Tenant
Living Trust
Name Change
Personal Planning
Small Business
Wills & Estates
Packages A-Z
Form Categories
Affidavits
Bankruptcy
Bill of Sale
Corporate - LLC
Divorce
Employment
Identity Theft
Internet Technology
Landlord Tenant
Living Wills
Name Change
Power of Attorney
Real Estate
Small Estates
Wills
All Forms
Forms A-Z
Form Library
Customer Service
Terms of Service
DMCA Policy
About Us
Blog
Affiliates
Contact Us
Privacy Notice
Delete My Account
Site Map
All Forms
Search all Forms
Industries
Forms in Spanish
Localized Forms
Legal Guides
Real Estate Handbook
All Guides
Prepared for You
Notarize
Incorporation services
Our Customers
For Consumers
For Small Business
For Attorneys
Our Sites
US Legal Forms
USLegal
FormsPass
pdfFiller
signNow
airSlate workflows
DocHub
Instapage
Social Media
Call us now toll free:
1-877-389-0141
As seen in:
  • USA Today logo picture
  • CBC News logo picture
  • LA Times logo picture
  • The Washington Post logo picture
  • AP logo picture
  • Forbes logo picture
© Copyright 1997-2025
airSlate Legal Forms, Inc.
3720 Flowood Dr, Flowood, Mississippi 39232