What is an EPO plan vs HMO?

What is an EPO plan vs HMO?

Exclusive Provider Organization (EPO) health plans are similar to Health Maintenance Organizations (HMOs) as they do not cover care outside of the plan's provider network. The plan offers a local network of doctors and specialists in your area in which you can choose from.

What is an EPO insurance?

EPO Insurance Plans 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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Is an EPO or PPO better?

PPO, or Preferred Provider Organization, health plans are generally more flexible than EPO (Exclusive Provider Organization) plans and have higher premiums. This comparison explains how.

Do EPO plans require referrals?

Exclusive provider organizations (EPOs) are a lot like HMOs: They generally don't cover care outside the plan's provider network. Members, however, may not need a referral to see a specialist. Point of Service (POS) plans vary, but they're often a sort of hybrid HMO/PPO.