The point of service (POS) plan allows you to choose a primary care physician to coordinate all of your care, just like the HMO plan. You have the added flexibility of choosing to arrange care without a referral or selecting a provider who does not participate in the Harvard University Group Health Plan network.
With the POS plan, when a primary care physician coordinates your care and refers you to a network specialist, services are covered at the HMO level. Harvard University Group Health Plan POS members also have access to the full Blue Cross Blue Shield of Massachusetts HMO Blue specialist network.
You can also arrange care without a referral, or choose a provider who does not participate in the Harvard University Group Health Plan network. If you choose this option, you will have higher out-of-pocket costs.
For specific details about this plan, review the POS Summary of Benefits and Benefit Description documents. Please note, there may be a difference between union and non-union benefits.