These describe how a plan manages access to providers. An HMO requires a primary care physician and referrals and generally covers only in-network care; a PPO is the most flexible (no referrals, some out-of-network coverage); an EPO covers only in-network care but skips referrals; and a POS plan blends HMO and PPO features.
EPOs
EPO stands for Exclusive Provider Organization. It’s a type of health plan that features a larger provider network like a PPO, but, unlike a PPO, does not provide out-of-network benefits. EPOs usually do not require a Primary Care Physician or referrals to see a specialist.