Direct answer
The main difference is that a POS plan requires you to select a primary care physician who manages your referrals, whereas a PPO offers more flexibility to see specialists without a referral, though often at a higher cost.
Standard health insurance plan architecture guidelines defined by the National Association of Insurance Commissioners. For additional information about insurance standards and definitions, see the National Association of Insurance Commissioners‘ official website.
What this means for you
The main difference is that a POS plan requires you to select a primary care physician who manages your referrals, whereas a PPO offers more flexibility to see specialists without a referral, though often at a higher cost.
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