What best describes a benefit of a point of service (POS) plan?

A point of service (POS) plan is designed to offer plan members flexibility when seeking medical care. The defining characteristic of this type of health insurance plan is that it allows members to receive services from both in-network and out-of-network providers.

When members use in-network providers, they typically benefit from lower out-of-pocket costs, but if they choose to seek care outside of the network, they still have that option available to them. This flexibility can be particularly advantageous for individuals who may have specific healthcare needs that are not met by in-network providers or for those who travel frequently and may need to find care from out-of-network doctors.

While other options involve specific arrangements like health savings accounts or reimbursement structures, they do not capture the primary benefit of a POS plan, which is the dual access to providers. This accessibility is a core reason many individuals choose POS plans as it accommodates a broader range of healthcare scenarios.