How it works
Humana has two kinds of POS plans: Regional POS and National POS - Open Access.
Regional POS plans give you access to in-network savings with the HMO providers in your network. The plan also pays benefits for covered services from out-of-network providers.
Depending on your employer's plan, you may or may not need a primary care physician.
National POS - Open Access plans cover more of your costs when you go to in-network providers, but you also have the choice to go outside the network. You do not need a primary care physician (PCP).