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POS stands for Point of Service. As with the HMO, a POS requires you to get referrals from your primary care physician (PCP) before seeing a specialist. However, this plan covers out-of-network doctors, though you will pay more than for in-network doctors. ERS offers this plan, HealthSelect of Texas. HMO stands for health maintenance organization.Continue reading “What is the difference between an HMO, PPO and POS?”