Point of Service or POS health insurance is another type of provider which is considerably cheaper than a PPO plan and has greater flexibility than other sorts of health insurance providers out in the market.  They work the same way as a PPO in the regards that they are a health insurance which seeks clinics and hospitals to sign up for their service and increase in customer base.  In POS health insurance you are provided with the service that states you have a primary physician to take care of your needs in your respected health insurance area.  If you decide to seek special treatments outside of your network, this is possible and you would be referred via your primary physician.  You have a list of physician according to your geographical area that you can select from.  This would make it possible to have health insurance typically anywhere you went allowing you the flexibility and the health insurance provided with ease.  This would be perfect for a person who is always traveling or constantly moving.  This type of health insurance makes it easy to find another provider when you decide to move.  You primary physician would be able to refer you to another doctor in your desired area.  With this plan your out of network pay would be considerably cheaper than a PPO plan. But with this positive there is a negative; you have to do all your own paperwork as well as submit claims to your health insurance provider to seek reimbursement or co-payments.