Here's a breakdown of what various plan types typically feature. As you read about each type, just remember that today's health coverage market often offers "blends" of these traditional types. *Monthly premiums represent the total cost for a single employee (both employer and employee contributions). If you share premium costs with the employee, your business costs will be less.
Point of Service (POS) Plan
A type of healthcare plan that offers cheaper service if you use doctors, hospitals and other providers in-network for your insurance plan. These plans typically require you to receive a referral from your primary care provider to see specialists, making them more flexible than an HMO plan but less flexible than a PPO.
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