Which plan is a hybrid HMO/PPO model allowing limited out-of-network care?

• A. NOCSAE
• B. PPO
• C. Point of Service (POS) Plan
• D. Exclusive Provider Organization (EPO)

Answer: (C)

Point of Service plan is the one that blends HMO and PPO features and allows limited out-of-network care. In this plan you typically have a primary care physician who coordinates your care and can require referrals to specialists, like an HMO. Yet you’re also free to see providers outside the network, if you’re willing to pay higher out-of-pocket costs and accept more limited coverage, which mirrors PPO flexibility. The other options don’t fit: an Exclusive Provider Organization generally covers only in-network care with little to no out-of-network options; a pure PPO tends to emphasize out-of-network freedom without the PCP/referral structure typical of an HMO; and NOCSAE is not a health plan. Therefore, the Point of Service plan best matches the description.