Plan types
EPO (Exclusive Provider Organization)
A health plan that requires in-network providers (like an HMO) but does not require referrals to see specialists (like a PPO). Out-of-network care is generally not covered except in emergencies. EPOs sit between HMO and PPO on cost and flexibility, and are increasingly common as carriers push narrower networks.Last reviewed: · TMRW Benefits is a benefits brokerage, not a tax or legal advisor. Consult a CPA or attorney for situation-specific guidance.
Related terms
More in Plan types
HMO (Health Maintenance Organization)
In-network only with PCP referrals. Lowest premiums.
PPO (Preferred Provider Organization)
See any provider, no referrals. Broadest networks.
POS (Point of Service)
Hybrid HMO/PPO. Requires PCP but covers some out-of-network.
HDHP (High-Deductible Health Plan)
Higher deductible, lower premium. Pairs with an HSA.
Catastrophic plan
Low-premium ACA plan for under-30s or hardship-exempt.
Short-term medical
Bridge coverage. NOT ACA-compliant.
Have a benefits question?
Ask a benefits advisor.
Jesse reads every contact submission personally. If your question is straightforward, you'll get a written reply. If it needs a call, we'll set one up.