An EPO (Exclusive Provider Organization) health plan requires you to use in-network providers for all care except emergencies. Like an HMO, EPO plans have network restrictions. Unlike an HMO, EPO plans typically do not require a primary care physician or referrals for specialists.
Key Points
- EPO requires in-network providers for all care except emergencies
- No primary care physician requirement
- No referrals required for specialists
- Out-of-network care: not covered except emergencies
- Lower premiums than PPO plans