Health Insurance

1112.755 - 1146.433 Stan

And the HMOs often provide integrative care and focus on prevention and wellness, which is a point I brought up earlier. Point of service. It's a type of plan where you pay less if you use doctors, hospitals, and healthcare providers that belong in the plan's network. Point-of-service plans require you to get a referral from your primary care doctor in order to see a particular specialist.