Exclusive Provider Organizations (EPO) plans require members to use network providers to receive coverage. True or False?

• A. True
• B. False
• C. Not sure
• D. Not applicable

Answer: (A)

Exclusive Provider Organization plans are built around a network of providers, and coverage is provided only when you use those in-network providers. That means to receive benefits, you generally must stay within the plan’s network; out-of-network care isn’t covered under normal circumstances (emergency services are a common exception). This is exactly what the statement is describing, so it’s true. The idea behind this type of plan is to concentrate coverage within a defined network, unlike options that provide broader but more expensive out-of-network coverage.