EPO

A health plan that covers only in-network care (no out-of-network except emergencies) but usually skips referrals. A middle ground.

This is a friendly general explanation, not legal or policy language. Exact coverage depends on your policy, carrier, and state. 🤝

Written and reviewed by the We Insure Things team — licensed independent insurance agents. Last reviewed July 23, 2026. Questions? Ask a licensed agent.