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Cons: Your total out-of-pocket costs will probably be higher than in a preferred provider plan or H.M.O.
But Congress's health insurance — that is, the heavily subsidized preferred provider plan that most members have — is not an ideal model, because it is quite rich.
The main difference between the two is that a point of service plan requires a referral from your primary care physician to see a specialist, while the preferred provider plan does not.
Richard L. Boals, president of Blue Cross Blue Shield of Arizona, said his company wanted to offer a preferred provider plan to Medicare beneficiaries, but could not do so if it had to serve people in other states.
The benefit consulting firm Milliman annually publishes its Milliman Medical Index on the average total cost of health care for a typical American family of four under age 65, covered by a preferred provider plan, or P.P.O.
The company dropped the most expensive plans, and at the same time began offering what is known as a preferred provider plan under which employees pay a percentage of the cost of their care but have more leeway in choosing their doctors.
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America Online, the world's largest Internet service provider, plans to offer the new standard.
The same system applies to patients in preferred provider plans who choose to see doctors outside the network.
The Comcast Corporation, the nation's largest cable provider, plans to increase the speeds of its broadband connections for consumers at no extra cost starting in the first quarter of 2005.
Bush administration officials want to require preferred provider plans to serve Medicare beneficiaries in regions consisting of one or more states.
Empire Blue Cross and Blue Shield of New York said enrollment in its more flexible preferred provider plans rose 16percentto to 2.6 million in the year ending last January, while membership in its H.M.O.'s fell 10percentto to 230,000.
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