Which healthcare plan allows out-of-network coverage?

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Out-of-network coverage means you can receive care from providers outside the plan’s network and still get some benefits, though at higher cost-sharing. A point-of-service plan blends features of HMOs and PPOs: you typically have a primary care physician and may need referrals for specialists, but you also have the option to go outside the network with coverage, usually paying more when you do. That built-in flexibility to access providers outside the network is why this plan is identified as allowing out-of-network coverage. Other plans tend to limit or prohibit it: HMOs focus on in-network care with limited exceptions, EPOs generally don’t cover out-of-network care, and while PPOs do cover out-of-network services, the question’s framing aligns with the hybrid, referral-based structure of the POS model.