With a point-of-service plan, obtaining services outside the network typically results in what for the member?

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Prepare for the Aflac Insurance Exam. Study with flashcards and multiple choice questions, each featuring hints and explanations. Ace your exam!

Multiple Choice

With a point-of-service plan, obtaining services outside the network typically results in what for the member?

Explanation:
In a point-of-service plan, costs are tied to whether you use network providers. Network providers have negotiated lower rates with the insurer, so staying in-network keeps your expenses down. When you obtain services outside the network, the plan typically reimburses less and you pick up more of the bill, leading to higher out-of-pocket costs. You may also face higher deductibles and coinsurance, and some out-of-network care may be covered at a reduced level or not covered at all. So, using services outside the network usually means paying more yourself.

In a point-of-service plan, costs are tied to whether you use network providers. Network providers have negotiated lower rates with the insurer, so staying in-network keeps your expenses down. When you obtain services outside the network, the plan typically reimburses less and you pick up more of the bill, leading to higher out-of-pocket costs. You may also face higher deductibles and coinsurance, and some out-of-network care may be covered at a reduced level or not covered at all. So, using services outside the network usually means paying more yourself.

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