In regard to health insurance, what is the difference between POS and PPO plans?

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  1. Victoria Lynn profile image80
    Victoria Lynnposted 11 years ago

    In regard to health insurance, what is the difference between POS and PPO plans?

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  2. profile image0
    Sarra Garrettposted 11 years ago

    Just remember that the PPO plan has a better health plan and options for you and generally better family plans.  Covers preexisting illnesses.

    POS - Piece O Shit.  There are too many restrictions , copays are high and a lot of your doctors/hospital visits are not covered, especially preexisting.  Not worth it!!!

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    1. Abby Campbell profile image85
      Abby Campbellposted 11 years agoin reply to this

      LOL on the POS. That made me giggle, Sarra! :-)

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    2. Victoria Lynn profile image80
      Victoria Lynnposted 11 years agoin reply to this

      LOL! POS! haha. How you described it is a good way to remember the difference, Sarra. Is it really that bad? I'm looking for insurance online since I'm self-employed and have none. Most seem to be POS!

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  3. Jlbowden profile image91
    Jlbowdenposted 11 years ago

    Hello Victoria:

    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.

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