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POS is a managed health plan that integrates both HMO & PPO features. Patients can see “in-network providers” as well as “out-of-network providers” which
allows the patient freedom to choose a Physician to see and controls their out-of-pocket expenses. There’s no deductible if your select an “in-network
provider”, which is similar to HMO plans. According to Betman (2022), “out-of-network costs can be significant, however, and serve as a disadvantage to POS
systems.” Discuss.

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