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Virginia Insurance Virginia Life, Annuities, and Health Insurance Examination Series 1101 Exam - Topic 7 Question 6 Discussion

A point-of-service (POS) health plan is best defined as a plan that:
B) Combines indemnity plan features with those of HMOs or preferred provider plans
A) Operates like an HMO plan without a gatekeeper
C) Permits coverage for non-network providers only when in-network care is unavailable
D) Covers treatment received at specific locations only

Virginia Insurance Virginia Life, Annuities, and Health Insurance Examination Series 1101 Exam - Topic 7 Question 6 Discussion

Actual exam question for Virginia Insurance's Virginia Life, Annuities, and Health Insurance Examination Series 1101 exam
Question #: 6
Topic #: 7
[All Virginia Life, Annuities, and Health Insurance Examination Series 1101 Questions]

A point-of-service (POS) health plan is best defined as a plan that:

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Suggested Answer: B

A POS plan blends characteristics of HMOs and PPOs/indemnity plans. Like an HMO, members choose a primary care physician, but they can also go out-of-network and receive partial reimbursement (similar to indemnity coverage). Exact extract: ''POS plans combine features of HMOs and indemnity plans, permitting members to seek care within the network or outside the network at higher cost-sharing.'' This flexibility allows broader provider choice while controlling costs through the HMO model.


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by Juan at Mar 05, 2026, 01:31 AM

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Loreta
5 hours ago
Wait, can you really go out of network anytime?
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Johnetta
5 days ago
I thought they needed a gatekeeper?
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Christiane
11 days ago
POS plans mix HMO and indemnity features.
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Page
16 days ago
Totally agree, B is the right answer!
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Nilsa
2 months ago
Wait, are you sure about that? Sounds too complicated!
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Emmett
2 months ago
They allow out-of-network care, but usually at a higher cost.
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Chandra
2 months ago
I thought POS plans had gatekeepers too?
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Tammara
3 months ago
It's definitely a mix of HMO and indemnity features!
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Alida
3 months ago
I feel like option D doesn’t really fit because I thought POS plans allow for more flexibility in choosing providers, not just specific locations.
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Lewis
3 months ago
I’m a bit confused about the non-network coverage. I thought POS plans only cover out-of-network care in specific situations, so maybe option C is correct?
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Rupert
3 months ago
I remember practicing a question about POS plans that mentioned combining features of different plans, which makes me lean towards option B.
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Adell
3 months ago
I think a POS plan is similar to an HMO, but I'm not sure if it really operates without a gatekeeper like option A suggests.
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Leeann
3 months ago
I’m confused about the specifics of coverage; I thought POS plans only cover in-network providers unless it's an emergency, which could relate to C.
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Niesha
4 months ago
I feel like the answer might be A, but I also recall that POS plans have some indemnity features, which makes me lean towards B.
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Annita
4 months ago
I remember something about POS plans allowing out-of-network care, but I’m not sure if that’s the main feature.
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Chantay
4 months ago
I think a POS plan is similar to an HMO but allows more flexibility, so maybe it's B?
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