MamasHealth.com Home Insurance Information Child Care Insurance COBRA Dealing with an HMO Dr. Dealing with your HMO Dental Insurance Disability Insurance EPO Insurance Family & Medical Leave Health Insurance Health Savings Account Help with Denied claims HIPPA HMO Plans HMO Terms Explained Hospital Indemnity How Much Insurance HRA Insurance Terms Life insurance for kids Life insurance from your job Long Term Care Medicaid Medicaid fraud Medicare Medigap MSA MRMI Program POS Plans PPO Plans Risks of not having insurance Save money on insurance Term vs. Whole Universal Life Workers' Comp Links Email Mama Free medicine from Pfizer Financial help during medical crisis Patient assistance programs Adoption insurance Value driven health care Car Insurance Save on Car Insurance Financial Assistance for women's healthcare 2005 Insurance Coverage 2006 Insurance Coverage 62 days after being laid off	EPO Insurance What is an EPO Insurance Plan? An EPO insurance plan is a network of individual medical care providers, or groups of medical care providers, who have entered into written agreements with an insurer to provide health insurance to subscribers. Basically, an EPO is a much smaller PPO. EPO insurance plans offer a very limited number of providers who offer large discounts on their rates. Types of EPO Insurance plans The current industry standard requires that a patient select a Primary Care Physician and when needed obtain authorization from that Primary Care Physician to receive specialty services. Some patients may not have to choose a Primary Care Physician and only have to choose a medical group. A patient must stay within the contract network and only use preferred providers. There typically is a lifetime policy maximum with this type of plan. If a patient goes out of network they may be responsible for the entire balance that is not paid by the payer associated with the services provided. The other type of EPO insurance plan is one where the benefits are those of a PPO insurance plan but the provider panel from which members obtain care is smaller than a PPO insurance plan panel. EPO vs. PPO People who have PPOs have more flexibility to choose a primary care doctor of their own choice. A person with a PPO will also be able to go to a specialist without first having to get an authorization from their primary care physician. EPO members do not receive any reimbursement or benefit if they choose to visit medical care providers outside of the designated doctors and hospitals within the established network. Some EPO insurance plans will give partial reimbursement outside of the network in emergency cases. Things to think about before joining an EPO Does the organization provide what you think you will need in the future? Do you have any special needs? If you have your own provider or specialists, do they belong to the network or must you switch to the EPO network? Is the EPO reliable? Does the EPO have a history of quality care in your area? Are the charges reasonable, or would you be better served by an insurance plan, especially if the plan is partially paid for by your employer?	Sign up for our Email Newsletter For Email Marketing you can trust
	Hot Topics: Domestic Violence: A pre-existing condition? Serena: The wanna be vegetarian Personal Story: How I recovered from my Eating Disorder Mama wants to help: Food Bank programs and shelter assistance Lucy Goes Green: Talk dirty to me How to avoid Swine Flu What no one will tell you about tummy tuck surgery Mama's favorite item of the week: Trees for the Future Foods for weight loss Win a Gift Bag filled with Goodies from Stonyfield
	Information obtained from MamasHealth.com™ should not be used as a substitute for professional medical care or attention by a qualified practitioner, nor should it be inferred as such. Always check with your doctor if you have any questions or concerns about a specific condition. Use of this web site constitutes acceptance of the Terms of Use. Contact us: PO Box 2170, Pasadena, CA 91102-2170 ©2000 - 2009 MamasHealth, Inc.™. All rights reserved