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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.
This is especially important if your insurance plan is a health maintenance organization or an exclusive provider organization. HMOs and EPOs donât cover out-of-network services, except in some emergencies. Your insurance card should indicate if you have an HMO or an EPO; if it doesnât, call the customer service line.