by 
The Curious Bag
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Point of service health insurance allows customers to choose their style of insurance, from choices like preferred provider organizations that offer flexibility among physicians or similar to health maintenance organizations that funnel healthcare decisions through a family doctor. When consumers choose HMO-like services, the costs are less.
Hybrid
A POS health insurance plan allows insurance customers to have the best of both worlds, choosing between an HMO-like or PPO-like insurance process for each health care incident.
Network Providers
Like PPOs and HMOs, a person using a POS insurance plan will face lower rates and bills if they use a doctor or medical provider that has a contract with their insurance company.
PCP Emphasis
Like an HMO, a POS generally pays more benefits to patients who choose a primary care physician and receive referrals from that PCP for specialized care.
Benefits
A POS insurance plan can benefit people who want the option to go to to more doctors than are available in an HMO, but do not want the costs of PPO insurance.
Disadvantages
Unlike a PPO plan, a POS plan is not as cost-effective for people who like to use more than one doctor for basic medical services, or who travel.
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