An Exclusive Provider Organization (EPO) is a type of health insurance plan that offers a network of doctors and hospitals. Members must use these in-network providers for their healthcare services to receive full benefits. If they choose to see an out-of-network provider, they typically have to pay the full cost of care. EPOs often have lower premiums compared to other plans, such as Health Maintenance Organizations (HMOs) or Preferred Provider Organizations (PPOs). However, they do not usually cover any out-of-network care, except in emergencies. This makes it essential for members to understand their network options.