Health and Life Insurance

Answer: A - A point of service HMO means that members can go outside of the established HMO provider network. Point of service HMO is also referred to as open-ended HMO or leaky HMO. This coverage is a hybrid arrangement that allows the member to retain control of choosing their health care provider. The point of service plan can cost more, and may also have a higher deductible and coinsurance amount than a traditional HMO.