An HMO-POS (Point of Service) plan works like a standard HMO but gives you the option to see out-of-network providers at a higher cost. You still have a primary care doctor and typically need referrals. The point-of-service option adds a safety valve for situations where you want to see a specialist outside the network.
Peter Abilla is a licensed Utah Medicare agent. He can walk you through this plan's costs, coverage, and whether your doctors are in-network.