what is epo insurance

An Exclusive Provider Organization (EPO) is a type of health insurance plan that offers a network of doctors and hospitals for individuals to choose from. EPO plans typically provide coverage only for services received from in- network providers, except in the case of emergencies. Members usually do not need to select a primary care physician or obtain referrals to see specialists. EPOs are often more cost-effective than Preferred Provider Organization (PPO) plans, but they may have a more limited network of providers. EPOs combine some features of Health Maintenance Organizations (HMOs) and PPOs, offering a balance between cost and provider network size