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An HMO gives you a range of benefits for a prepaid monthly fee. The plan focuses on wellness, prevention, and treatment within a network of providers. Out-of-network providers are usually not covered, unless in an emergency. Designated primary care physicians and referrals are not required for in-network care.
The EPO has a separate provider network. As a member of the EPO, you can use the doctors and hospitals within the EPO network, but cannot go outside the network for care. There are no out-of-network benefits, except for emergency and urgent care. Designated primary care physicians and referrals are not required for in-network care.