Glossary · Plan types
What is a point of service (POS) plan?
A POS plan is a type of plan where you pay less if you use providers in the plan's network. POS plans require a referral from your primary care doctor to see a specialist.
Definition and figures from HealthCare.gov glossary, checked October 23, 2026. This page explains the term; it does not recommend a plan.
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Point of service (POS) plan: the facts
| Item | Fact | Source |
|---|---|---|
| Specialist visits | Referral from your primary care doctor required | HealthCare.gov glossary: Point of Service (POS) Plans |
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What does point of service (pos) plan mean in health insurance?
A POS plan is a type of plan where you pay less if you use providers in the plan's network. POS plans require a referral from your primary care doctor to see a specialist.