Rachel has chosen a point of service (POS) plan through her employer for her health insurance needs.

How does Rachel benefit from the POS plan?

She will have the same out-of-pocket expenses if she receives treatment in network hospitals or in non-network hospitals.

She will have lower out-of-pocket expenses if she uses the services within the network.

She can get treatment at any hospital without prior permission and obtain insurance coverage.

Her health insurance coverage continues indefinitely should she lose her job.