It looks like Sarra definitely gave you the correct definition, as well as the right assumption, between these 2 health plan options. If you have an option, you definitely want to go with the (PPO) plan-preferred provider organization. Rather than then the (POS)- or point of service plan. Even if it is a few dollars more. Also the(HMO)- Health maintenance organization plan, is a fairly good choice as well among consumers shopping for a health insurance plan, not offered by their employer.