What is Point of Service Health Insurance? A point-of-service POS plan is a kind of managed-care Pennie health insurance plan that delivers different usefulness depending on whether the policyholder uses in-network or out-ofnetwork healthcare providers. Here are a few benefits of the POS health insurance plan:Your health maintenance expenses are generally inferior when you get respect from in-network providers. You can see a professional exterior of your authorized network – and be protected, but you may spend more additional out-of-pocket. When you accept in-network therapy and assistance, the paperwork is usually done for you.