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Point-of-Service (POS) Plans
POS health plans allow you and your employees to see high-quality providers both in- and out-of-network, with a full range of health care services.
POS plans offer:
- FREE preventive care. 100% coverage for preventive services, such as annual exams, screenings, and more, when performed in-network.
- $0 copay preventive drugs. $0 copays on select preventive drugs that target common medical conditions, such as high blood pressure and diabetes.
- Affordable access to Aspirus Network providers. Aspirus offers four regional hospitals in Wisconsin, four more in Michigan, 50 clinics, and more than 400 physicians.
With a POS plan, it is recommended that each member choose a primary care practitioner (PCP) who will help coordinate overall medical care. Unlike an HMO, however, POS plans give you the option to see other providers without a referral at an additional cost. Some services will require review and prior authorization.
If necessary, you can seek treatment from a provider out-of-network. Benefits for covered services received out-of-network are usually lower than benefits for services received from in-network providers.