Medicare's POS option.
Guidelines recently issued by the Health Care Financing Administration (HCFA) explicitly allow health maintenance organizations (HMOs) with a Medicare risk contract to sell a point-of-service (POS) benefit to their Medicare members. For an additional charge, these HMO members will now be allowed to go out-of-network for certain medical services.
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D014487:Centers for Medicare and Medicaid Services, U.S.; D002755:Choice Behavior; D006279:Health Maintenance Organizations / Q000458:organization & administration*; D006801:Humans; D006278:Medicare; D014481:United States