Point of Service plans are the latest type of plans to become popular. They combine the features of HMO and PPO plans. The cost of these plans are usually 10 to 20 percent greater than HMO. When electing this type of plan a person may be less apprehensive than joining an HMO, since they can access the PPO providers anytime. The features of these plans include a choose of primary care physician for the HMO benefits while having access to contracted POP and non network physicians. The HMO provides the least out lay for services while the deductibles and copayment percentages increase the outlay for those services when used under the plan.