The United Healthcare (UHC) POS plan gives you the freedom to see any Physician or other health care professional from a network of providers or if you choose to seek care outside of the network. You will receive the highest level of benefits when you seek care from a network provider as most services are covered in full or subject to a co-payment. Visits to a specialist are covered subject to the office visit co-payment as long as the specialist is a participating provider in the network. In addition, you do not have to worry about any claim forms or bills if you seek care from a network provider. Unlike an HMO or EPO, there are out-of-network benefits. You do not need to select a Primary Care Physician (PCP) or get a referral from your PCP to see a specialist.