Which plan typically requires members to use in-network providers?

• A. HMO
• B. PPO
• C. EPO
• D. Private indemnity plan

Answer: (C)

The main idea here is that some plans restrict coverage to a defined network of providers. An Exclusive Provider Organization (EPO) is built around that concept: you receive coverage only when you use providers within the plan’s network, and services from out-of-network providers are generally not covered except in emergencies. That makes using in-network providers a must if you want your care to be covered under the plan.

To see how this fits with the other options: a health maintenance organization also emphasizes in-network care, but it typically adds gatekeeping through a primary care physician who coordinates referrals to specialists. A preferred provider organization allows more choice and usually covers some out-of-network care, though at higher costs. A private indemnity plan is more open in terms of provider choice and pays according to its own rules rather than a contracted network.