EPO stands for "Exclusive Provider Organization." EPO plans may
or may not differ very much from HMO (Health Maintenance
Organization) plans. It's sometimes hard to make precise
distinctions between these types of health plans since the
definitions have changed a bit over the years.
Generally speaking, however, as a member of an EPO plan, you can
only use the doctors and hospitals within the EPO provider network,
but cannot go outside of the network for care. There are no
out-of-network benefits. This may be the same with some HMO plans.
But while an HMO plan will typically require you to coordinate most
of your care through a primary care physician (who then refers you
to specialists when needed), an EPO plan may allow you more freedom
to decide which doctors you see within the provider network.
Work with a licensed health insurance agent to help you find the
best type of coverage for your needs.