What Is EPO Health Insurance?

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EPO health insurance is just one of the many different types of insurance policies that are available to customers. Learn about EPO health insurance with help from an insurance broker in this free video clip.

Part of the Video Series: Personal & Health Insurance Tips
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Video Transcript

Hi, my name is Susan Combs, and I'm an insurance broker with Combs and Company. Today, we're going to talk about EPO health insurance. When it comes to health insurance there is many different types of insurance that you can look at taking. There's typically, we can divide them into two different categories, there's in network and there's in and out of network. So with in network, there's two main types. There's an EPO and there's an HMO. With in and out of network coverage, there's typically POS and PPO. So the key things that differentiate the EPO health insurance is other than it being in network only, meaning that in order for benefits to pay out you need to go to a doctor that accepts the insurance as an in network provider, there's no gatekeeper. So which means that you don't have to have any referrals when you want to go to a specialist. So as long as that specialist takes the carrier you are going to, you just go and pay a co-pay you don't have to have a referral. A couple of things to keep in mind when it comes to looking at this type of insurance is since it is in network only, you need to make sure that the doctors that you are going to take this insurance. So I encourage you to go to the carrier website and do a doctor search or talk to an insurance broker and have them help you navigate through this process. It's a very good option. A lot of times it's national coverage even though it is in network only and it scan be a really good solution and be a lower cost item because there's no out of network coverage offered on this plan.


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