What Does EPO Health Insurance Mean? 
EPO health insurance stands for Exclusive Provider Organization . Under an EPO plan , you can go to a doctor and/or hospital that is in-network . However , there are no out-of-network benefits - meaning you are responsible for 100 % of expenses for any visits to an out-of-network doctor or hospital . An advantage with these plans is that you do not need a referral to see a specialist . 