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

HMO and PPO plans, letting members choose at the time care is needed

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

2. A traditional indemnity (fee-for-service) plan generally:

Reimburses covered charges and lets the insured choose providers

A fee-for-service indemnity plan reimburses covered charges and lets the insured choose providers freely.

3. Under capitation, an HMO pays a provider:

A fixed amount per member per period regardless of services used

Capitation pays the provider a set amount per member per period regardless of the services actually used.

4. Usual, customary, and reasonable (UCR) charges are used to:

Determine the allowable amount a plan will pay for a service

UCR figures help determine the allowable amount a plan will pay for a given service in an area.