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Library · Networks & plan types · Lesson 5 of 8

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EPO plans: network-only, no referrals

FreeChapter 53:304 key terms

An EPO (Exclusive Provider Organization) sits between an HMO and a PPO: you usually don't need referrals to see specialists, but the plan only covers in-network care except in emergencies. This lesson shows who an EPO fits and where its hard network limit bites.

What you'll learn

  • How an EPO differs from both an HMO and a PPO
  • Why an EPO won't cover non-emergency out-of-network care
  • When an EPO's lower premium is worth the network restriction

Key takeaway: An EPO skips referrals like a PPO but covers in-network care only like an HMO — stay in network or pay it all.

Networks & plan types

8 lessons

In-network vs out-of-network, how HMO, PPO, EPO, and HDHP plans decide what you'll pay, and how HSAs and FSAs help you save.

  1. 1In-network vs out-of-network3:37
  2. 2HMO plans: understanding your coverage3:56
  3. 3High Deductible Health Plans (HDHP)4:00
  4. 4PPO plans: flexibility at a higher cost3:45
  5. 5EPO plans: network-only, no referrals▶ Now playing3:30
  6. 6FSA & HSA: an overview4:10
  7. 7HMO vs PPO: which fits you4:20
  8. 8HSA vs FSA: a detailed comparison4:15
Next lesson
FSA & HSA: an overview
Next: FSA & HSA: an overview →