What is a POS plan?

POS stands for Point of Service. It is a type of Medicare Advantage HMO plan that includes out-of-network coverage for certain services. On some POS plans, the out-of-network coverage may have a different copay (your share of the cost) than if you go to one of our in-network doctors. CarePlus plans with out-of-network coverage are labeled (HMO-POS).
 

Who is it for?

CarePlus has a large network of trusted doctors, but in some areas a POS plan may give you more options beyond our network. This may help cover your care with a preferred doctor who is not in our network.

Some POS plans are available to all Medicare beneficiaries who reside in the plan’s service area, while some of our POS plans are also chronic condition special needs plans (C-SNPs) that require a qualifying chronic condition to enroll. 

Why don’t all plans provide out-of-network coverage?

In most cases, CarePlus plans require you to see in-network doctors so we can keep your costs low while providing the best possible care. But for certain plans and areas, we recognize that out-of-network coverage can help give you more options.

Please keep in mind that even if your plan is not a POS plan, all plans cover out-of-network urgent and emergency care. In the case of an emergency, please call 911 and go to your closest hospital.