Which types of providers must be used in a POS MA Plan?

In a Point-of-Service (POS) Medicare Advantage (MA) Plan, the primary requirement is to use contracted network providers. This is because POS plans are designed to provide members with flexibility in choosing their healthcare providers while encouraging the use of a designated network of contracted providers.

Network providers typically have agreed to provide services at negotiated rates, which helps to keep costs manageable for both the patient and the insurance provider. While members may have the option to seek care from out-of-network providers, doing so often comes with higher out-of-pocket costs and the necessity to navigate additional paperwork or referrals. By emphasizing the use of contracted network providers, the plan can offer benefits like reduced copayments or coinsurance, streamlined referrals to specialists, and better coordination of care.

The other types of providers mentioned in the choices may not align with the primary principles and structure of a POS MA Plan. The focus on contracted providers ensures both the plan's viability and members receiving the most efficient, cost-effective care.