![]() ![]() Exclusive provider organization (EPO): EPOs, like HMOs, only pay for in-network care except in emergencies.The PCP has to approve referrals to specialists. Beneficiaries are required to select a primary care physician as a regular source of care. With some HMOs, beneficiaries have to live or work within the HMO’s geographic area to receive care. Health maintenance organization (HMO): A type of health insurance plan that only pays for care provided by the plan’s network of physicians and providers except in emergencies.These plans provide more flexibility than the other plans, but they are more expensive. You can also go outside of the network for care and see specialists without having to obtain a referral. Preferred provider organization (PPO): A type of health insurance plan where you pay less for using in-network providers. ![]()
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