Which type of MA Plan is an HMO Plan that also covers some benefits out-of-network at a higher cost?

A Point of Service (POS) Plan combines characteristics of both Health Maintenance Organization (HMO) plans and Preferred Provider Organization (PPO) plans. Specifically, a POS plan requires members to choose a primary care physician who coordinates their care but also allows them to seek care from out-of-network providers at a higher cost. This flexibility is the distinguishing feature of a POS plan, as it provides a balance between cost savings through managed care and the option for broader access to health services when necessary.

In contrast, traditional HMO plans typically only cover in-network services, emphasizing preventive care and requiring referrals for specialists. While a PPO allows more freedom to see out-of-network providers without a referral, it doesn't require a primary care physician. An Exclusive Provider Organization (EPO) also offers limited network options without out-of-network benefits, making the POS plan the unique choice for providing both in-network and limited out-of-network coverage at varying costs.