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Does not provide out of network. Exclusive Provider Organization (EPO)-insurance plan allows access to health care from a network physician, facility or other health care professional, including specialists, without designating a Primary Physician or obtaining a referral- there is no claim forms or bills.
Claims will not be paid if care is received from a provider who is not in the network. No PCP or Referral Needed. With the EPO plan, members do not need to select a Primary Care Physician (PCP), and referrals are not needed to access specialty care.