1. A point-of-service (POS) plan generally combines features of:

An HMO and a PPO, letting members choose at the time of care

A POS plan blends HMO and PPO features, letting members decide in or out of network when care is needed.

2. A high-deductible health plan paired with an HSA features:

A higher deductible in exchange for HSA tax advantages

HDHPs carry higher deductibles and qualify the insured to contribute to a tax-advantaged HSA.

3. Usual, customary, and reasonable (UCR) charges are used by a health plan to:

Determine the allowable amount the plan will pay for a service

UCR benchmarks the allowable charge for a service based on what is typical for the area and procedure.

4. A stop-loss (out-of-pocket) feature in a health plan:

Limits the insured's total out-of-pocket cost for covered expenses

A stop-loss limit caps the insured's cost sharing, after which the plan pays covered charges in full.