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How to Buy Health Insurance - Definitions & Purchasing

What is a POS?

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eHealthInsurance
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eHealth, Inc. is the parent company of eHealthInsurance Services Inc., the leading online source of health insurance for individuals, families and small businesses. eHealthInsurance presents complex health insurance information in an objective, user-friendly format, enabling the research, analysis, comparison and purchase of health insurance products that best meet consumers' needs.

Licensed to market and sell health insurance in all 50 states and the District of Columbia, eHealthInsurance has developed partnerships with more than 160 health insurance companies, offering more than 7,000 health insurance products online.

The company's technology platform is able to communicate electronically with insurance carrier partners, which enables a simpler, more streamlined health insurance application process. This technical connection with the back-office processes of health insurance companies can facilitate rapid approval of applications and real-time communication between carrier and consumer throughout the process.

eHealthInsurance provides consumers with transparency of information about a broad array of health insurance plans with a selection of price and benefit options, complemented by a full-service Customer Care Center of highly trained customer service representatives. Available via a toll free number, online chat, email or fax, the Customer Care team answers consumer questions throughout the process of buying and using health insurance.

eHealthInsurance was founded in 1997 and its technology was responsible for the nation's first Internet-based sale of a health insurance policy. We are headquartered in Mountain View, California.

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Transcripts

Host: What is a POS?

Bob Hurley: POS plans are a Point of Service plans and they are very different. They are a combination between a PPO and an HMO and basically, the idea behind a POS plan was that it would give the consumer more flexibility to choose a provider and if they go out of the HMO network then they would fall under a PPO. If they stay in the HMO network they would fall under the pricing and so on of the HMO. So again, POS stands for Point of Service, the decision as to what are you be coming utilizing a PPO or an HMO is pretty much made at the Point of Service. These are originally designed to try to give more flexibility to the people that had an HMO or a maintenance organization. So it was an attempt to get them the most out of a Health Maintenance Organization or an HMO, while giving you the flexibility of having a PPO and so the pricing was somewhere in between a PPO and an HMO. I don't see many POS plans sold in the individual market. Not many individuals and families are choosing to buy a POS plan. A vast majority of individuals and family consumers who are buying health insurance for themselves are buying a PPO product.

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