The key difference between BlueFocus Care HMO and MyBlue Plus POS is that BlueFocus Care HMO is a traditional Health Maintenance Organization (HMO) plan with limited network access, while MyBlue Plus POS is a Point-of-Service (POS) plan which allows for some out-of-network care at a higher cost, essentially offering more flexibility in choosing providers; importantly, BlueFocus Care HMO has been discontinued and replaced by MyBlue Plus POS by Blue Cross Blue Shield of Illinois.
Key points about the difference:
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BlueFocus Care HMO strictly limits care to in-network providers, while MyBlue Plus POS allows for some out-of-network care with additional cost.
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MyBlue Plus POS offers greater flexibility in choosing providers compared to the restricted network of BlueFocus Care HMO.
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BlueFocus Care HMO is no longer available in 2025 and has been replaced by MyBlue Plus POS.
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