Basic health care open enrollment questions
What is an EPO?
An EPO -- short for Exclusive Provider Organization -- is similar to an HMO in that it is a health care plan that covers eligible services from providers and facilities inside a network, Towers Watson said. Generally, an EPO does not pay for any services from out-of-network providers and facilities except in emergency or urgent care situations, like an HMO.
People using an EPO generally are not required to have a primary care physician nor referrals, as HMO members are.