The POS or Point-of-Service Plan is much like a hybrid of an HMO and a PPO. It allows you to go to any doctor or medical facility of your choice with no restriction. However, co-insurance and an annual deductible also apply.
A POS offers your employee the greatest freedom of choice regarding their health care. However, they charge the highest monthly premiums and have the highest out-of-pocket expenses. Like a PPO, it is difficult to estimate out-of-pocket medical expenses.