In US you can either go for a low cost HMO plan or a freedom of choice PPO plan for your health care needs. A plan that combines both of these into a single health care plan is known as point-of-sales plan.

Once you enroll in this plan, you will be asked to choose a primary health care physician for your health care needs. He should be chosen from inside the network. The complete procedures will be completed for you by the insurer when the consultation is within the network, when you move out of the network, you will have to keep track of your expenses.