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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.
EPO health plans are often cheaper than PPOs or HMOs. With a good selection of specialists and adequate emergency care options, this can be a great way to save money on health insurance.