Point of Service (POS)

Point of Service plans are similar to PPOs, but they introduce the Primary Care Physician as a gatekeeper who issues all specialist referrals.

When you go to doctors in the PPO, you present a card and do not have to fill out forms
Usually there is a small copayment for each visit. For some services, you may have to pay a deductible and coinsurance
A PPO requires that you choose a primary care doctor to monitor your health care and refer you to specialists
Most PPOs cover preventive care
In a PPO, you can use doctors who are not part of the plan and still receive some coverage

Why Ernst, Hienz & Macaluso L.L.C.

We work with a preferred agency that specializes in the design, installation, and administration of employee benefit plans. With clientele that range from sole proprietors to large corporations and municipalities, it is their goal to provide exceptional service and a variety of plans designed to fit your needs. They represent only "A+" rated insurance carriers, managed care companies, and third party administrators.