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	Insurance--Health Insurance Point of service plans Annuities Auto Insurance Small business insurance Long term care insurance Health Insurance -Know your COBRA rights -Health plans for college students -IPAA: Your rights to health insurance portability -HMO: Health maintenance organization -POS: Point of service plans -PPO:Preferred provider organizations Home Insurance Life Insurance Travel insurance POS plans offer more flexibility than HMOs. You are allowed to choose a doctor outside of the insurance network and still receive coverage, although it will be reduced. You are required to choose a PCP, who must make referrals to physicians outside of the network in order for you to receive reimbursement for costs. POS plans usually offer more preventative care and well-being services, such as stop smoking programs and health club discounts.