Point-of-Service (POS) offer more choices
POS health plans allow you and your employees to see high-quality providers both in- and out-of-network, with a full range of health care services. POS plans offer:
- 100% coverage for preventive services completed by an in-network provider
- $0 copay on preventive drugs that target common medical conditions
- Access to our 24/7/365 online clinic, MDLIVE
- Comprehensive care coordination
- FREE Nurseline 24/7/365
- Access to Hear in America
- Tobacco Cessation coverage
With a POS plan, it is recommended that each member choose a primary care practitioner (PCP) who will help coordinate overall medical care. Unlike an HMO, POS plans give you the option to see other providers without a referral at an additional cost. Some services will require review and prior authorization.
If you seek care from an out-of-network provider, the non-participating reimbursement value will apply to out-of-network providers and services. The amount the plan pays is the allowed amount for any covered service. But if an out-of-network provider charges more than the allowed amount, you may have to pay the difference.
Here’s an example: You go to an out-of-network hospital, which charges $1,500 for an overnight stay. If the allowed amount is $1,000, you may have to pay the $500 difference.
Aspirus Health Plan Networks
Signature POS
Signature POS offers high-quality, cost-effective and local care. The Signature Network includes providers located in north-central Wisconsin and the Upper Penninsula of Michigan. As well as access to in-network providers outside the state of Wisconsin.
Signature Network Tip Sheet (PDF)
Freedom POS
Our Freedom Network is comprised of providers noted in the Signature Network, as well as, First Health providers in Wisconsin.
Freedom Network Tip Sheet (PDF)
Choice POS
Choice POS offers three-tiers of network coverage. Members can choose doctors, clinics and hospitals from any tier at any time without a referral. When they choose Tier 1 providers, members save money with lower out-of-pocket costs.