An EPO (exclusive provider organization) plan differs from an HMO primarily in that an EPO:

Question

Accepted Answer

Does not generally require referrals to see specialists, but covers only in-network care

Answer

Requires a gatekeeper referral and covers out-of-network care

Answer

Covers out-of-network care at 100% with no deductible

Answer

Is available only to employers with 50 or fewer employees

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