Keystone Point-of-Service (POS) and Direct POS plans
POS and Direct POS plans provide both in- and out-of-network coverage. With a POS plan, members get the highest level of benefits by asking their PCP for a referral to specialists in network. With Direct POS, referrals are only needed for laboratory services,1 routine radiology and diagnostic services, physical/occupational therapy, spinal manipulation, and acupuncture.
Coverage for employees who are temporarily outside of the service area is also available through the Away From Home Care® program.