Hassle-Free Health Coverage: Open Ended Plans

Another managed care alternative to an HMO, is an open ended HMO (also known as a "leaky HMO" and "point-of-service HMO") is a hybrid arrangement whereby you can use non-HMO providers at any time and receive indemnity benefits which are subject to higher deductible and co-insurance amounts.

The out-of-pocket cost to you (and probably your employer, too) is higher, but the arrangement allows you to remain in control in choosing a health care provider.