An area of Assistance plan is often a managed proper care insurance comparable to both the HMO and also a PPO. POS strategies require members to pick out a primary medical doctor. In order to acquire reimbursed pertaining to out-of-network sessions, you have to have a referral through the primary company. If that you do not, however, your reimbursement to the visit may be substantially a lesser amount of. Out-of-network visits will likely require you to handle your paperwork, meaning post the claim on the insurance company.