In which plan are out-of-network benefits available at a higher cost?

The correct choice is the plan type where out-of-network benefits are available at a higher cost, specifically the POS plan, which stands for Point of Service plan. This plan combines features of both HMO (Health Maintenance Organization) and PPO (Preferred Provider Organization) plans.

In a POS plan, members typically select a primary care physician (similar to an HMO). While they can receive care from out-of-network providers, doing so incurs higher out-of-pocket costs compared to in-network services. This allows for flexibility but also means that members should be aware of the cost implications associated with using out-of-network services.

In comparison, an HMO plan often does not cover any out-of-network services at all, except in emergencies, making it less flexible for those seeking care outside the network. While a PPO plan offers the advantage of receiving care from out-of-network providers with a higher cost-sharing structure, the out-of-pocket expenses are generally lower than those associated with a POS plan. A PFFS (Private Fee-for-Service) plan similarly provides more flexibility than an HMO but does not emphasize primary care physician involvement like a POS plan does, and can vary widely in terms of costs associated with out-of-network care.

Thus, the POS plan's