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Less restrictive than an HMO or PPO, a (POS) or Point of Service plan
lets you see any licensed health care professional for anything covered by
the insurance. Care you receive from out-of-plan health care professionals
is reimbursed, but you must pay an often times much higher co-payment or
deductible amount.
Costs that exceed your deductible are covered by a co-insurance plan in
which you and the insurance company share the cost for services covered
by the policy.
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