An EPO (Exclusive Provider Organization) plan is a type of managed care health insurance. It combines aspects of HMO (Health Maintenance Organization) and PPO (Preferred Provider Organization) plans. In an EPO plan, members are required to choose healthcare providers from within the plan’s network. Unlike PPOs, EPOs usually do not provide coverage for out-of-network services except in emergencies. There’s often no need for referrals to see specialists within the network. EPO plans typically offer lower premiums compared to PPOs but may result in higher out-of-pocket costs for services received outside the network. They aim to balance cost-effectiveness with a degree of provider choice.