Which plan allows patients to self-refer to out-of-network providers?

The option that allows patients to self-refer to out-of-network providers is the point-of-service plan (POS). This type of plan combines features of both HMOs (Health Maintenance Organizations) and PPOs (Preferred Provider Organizations). Under a POS plan, members have the flexibility to choose between in-network and out-of-network healthcare providers.

When patients choose to see out-of-network providers under a POS plan, they usually have to pay a higher cost-sharing amount (like a deductible or co-pay) compared to visiting in-network providers. However, the key feature of POS plans is the ability for patients to make that choice without needing a referral from a primary care physician, which contrasts with other types of plans that may require referrals for out-of-network services.

This self-referral capability distinguishes POS plans from others, making them appealing to patients who value flexibility in choosing their healthcare providers while still having some level of cost management.