Exclusive Provider Organization (EPO)
Insurance Glossary
A health plan that covers care only from providers inside its network, except in an emergency, but does not usually require a referral to see a specialist. It sits between an HMO, which typically requires a primary care physician and referrals, and a PPO, which pays something toward out-of-network care. Because there is no out-of-network benefit, a visit to a provider outside the network is generally the patient's responsibility in full.
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