While a POS plan lets you go out of network, you'll have to pay most of the cost, unless your primary care physician refers you to an out-of-network doctor.

Insurance inquiry by Hughes, Alan / Black Enterprise

But Singer and others point out that the hospitalists improve the level of care patients receive because they spend more time with patients than a primary care physician could, and because they are more experienced in the types of acute illnesses hospitalized patients typically have.

HOSPITAL SPECIALISTS by GARCIA, SHELLY / Los Angeles Business Journal

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