EXCLUSIVE PROVIDER ORGANIZATION (EPO)

An EPO (Exclusive Provider Organization) is a health plan that provides access to a local network of doctors and hospitals, typically offering a broader network than an HMO. EPOs are generally more cost-effective than PPO plans, but care received outside of the network may not be covered, except in emergencies. Unlike PPOs, EPOs usually do not require you to select a primary care physician (PCP), giving you the flexibility to see specialists within the network without needing a referral.

This plan can be particularly beneficial for individuals who want a balance between cost savings and access to a wide range of in-network providers. However, it’s essential to carefully review the provider network to ensure it includes the healthcare professionals and facilities that meet your needs, as coverage outside the network is limited.