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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 the HFN EPO product and it consists of the same number of providers as the HFN-10 or PPO product except the discounts can be deeper and the incentive required to access the deeper discount is at least a 20% co-insurance differential, thus the term HFN-20.