Standard Security Life Insurance Company of New York

Point of Service (POS)
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Point of Service is a relatively recent innovation in the health insurance industry. The POS plan is designed to give the insured member a choice of selecting a provider in an HMO's network or a provider out of network. The out of network or indemnity portion of the Point of Service plan is underwritten by Standard Security Life, and allows the insured member to select their choice of medical professional for any medically necessary covered service.

Standard Security Life works with client HMOs to develop a Point of Service plan specifically designed to meet the needs of their marketing territories. Our HMO clients are provided the unique ability to offer a Point of Service plan by coupling their current HMO benefits with Standard Security Life's traditional indemnity health insurance policy.