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Health Care Reform:

Health Insurance & Affordable Care Act

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Point-of-service plan (POS)

With a POS health plan, you have more choices than with an HMO. You also may not need to choose a PCP to coordinate your care. You have the choice to use doctors, hospitals, and other providers that are not in your health plan's network. However, you will have to pay more for using out-of-network providers. You may also have to fill out more paperwork and send in claims for payment.

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