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

blends HMO and PPO features, letting members choose at the point of care

A POS plan combines HMO and PPO characteristics, allowing members to decide whether to use network or out-of-network care when they need it.

2. A copayment in a medical plan is:

a fixed dollar amount the insured pays for a covered service

A copayment is a set dollar amount the insured pays for a specific covered service, such as an office visit.

3. Major medical coverage is designed to:

provide broad coverage with high limits for significant medical expenses

Major medical provides broad coverage subject to deductibles and coinsurance with high maximum limits for serious expenses.

4. A health flexible spending account (FSA) generally:

lets employees set aside pre-tax dollars for medical costs, often use-it-or-lose-it

An FSA allows employees to set aside pre-tax dollars for qualified medical expenses, typically subject to a use-it-or-lose-it rule.