What type of healthcare plan is a mix of both HMO and PPO features?

The correct answer is a type of healthcare plan that combines features of both Health Maintenance Organizations (HMOs) and Preferred Provider Organizations (PPOs). This kind of plan, known as a Point of Service (POS) plan, allows members more flexibility than an HMO while maintaining some of its cost-saving elements.

With a POS plan, members are typically required to choose a primary care physician (similar to an HMO) who coordinates care and provides referrals to specialists. However, unlike an HMO, members also have the option to go outside the network for services, albeit at a higher cost (similar to a PPO). This blend offers individuals the advantage of lower costs when using in-network providers while still allowing the freedom to seek care from out-of-network providers when necessary.

This unique structure helps meet the diverse needs and preferences of patients, allowing for both coordinated care and greater access to services, ultimately making it an appealing choice for those seeking a balance between the two types of plans.