Point of service

A health insurance benefits program in which subscribers can select between different delivery systems (such as HMO, PPO and fee-for-service) when in need of medical services. This is rather than making the selection between delivery systems at time of open enrollment at a place of employment.

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In Focus

Feb. 21

Handmade holiday

Rochester, NY

Residents of St. John's recently were surprised with handmade Valentine's Day cards and gifts from local elementary school students.