An EPO (Exclusive Provider Organization) is similar to an HMO as it is a healthcare plan type that covers eligible services from providers and facilities inside a network. Generally, an EPO does not pay for any services from out-of-network providers and facilities except for emergency services, which is similar to an HMO. Unlike an HMO, EPO participants are not usually required to have a primary care physician or referrals.
A PPO (Preferred Provider Organization) is a healthcare plan that allows people to see doctors or get services that are not part of a network. Those out-of-network services are at a higher rate, though. Plans are structured so that members will pay less money out-of-pocket when they use in-network providers.