Point-of-Service (POS) Plans
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.
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 through First Health.
Our Freedom Network is comprised of providers noted in the Signature Network, as well as, First Health providers in Wisconsin.
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.
POS PLANS OFFER:
FREE PREVENTATIVE CARE. 100% coverage for preventive services, such as annual exams, screenings, and more, when performed in-network.
$0 COPAY PREVENTIVE DRUGS.There is no cost associated with select preventive drugs that target common medical conditions, such as high blood pressure and diabetes.
AFFORDABLE ACCESS TO ASPIRUS NETWORK PROVIDERS. Aspirus offers five regional hospitals in Wisconsin, four more in Michigan, 50 clinics, and more than 400 physicians.
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.