EPO Insurance Plans - What is an EPO Insurance Plan?

Exclusive Provider Organization (EPO) - This type of insurance plan allows access to health care from a network physician, facility or other health care professional, including specialists, without designating a primary physician or the need for obtaining a referral. An EPO is a much smaller than PPO group. EPO insurance plans offer a very limited number of providers who offer large discounts on their rates.
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An EPO plan may be right for you if:
•You do not want to get a referral to see a specialist.
•You want to receive a much lower negotiated rate with an EPO plan than you would with an HMO or PPO plan.

EPO stands for "Exclusive Provider Organization" plan. As a member of an EPO, you can use the doctors and hospitals within the EPO network, but cannot go outside the network for care. There are no out-of-network benefits.

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