What should i do ?
POS (Point of Service) is a choice like an HMO or PPO. I think you already made your choice.
Also, it doesn't really matter what plan you take with an Insurance Company as far as POS/PPO/HMO goes, as long as they all cover WLS. If they do, the utilization review guidelines the company uses to decide whether or not you qualify for surgery are the same.
Hope this helps,
Roberta