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In the United States, an exclusive provider organization (EPO) is a hybrid health insurance plan in which a primary care provider is not necessary, but health care providers must be seen within a predetermined network. Out-of-network care is not provided, and visits require pre-authorization.
Unlike EPO members, however, PPO members are reimbursed for using medical care providers outside of their network of designated doctors and hospitals. However, when they use out-of-network providers PPO members are reimbursed at a reduced rate that may include higher deductibles and co-payments, lower reimbursement percentages, or a combination ...
POS. A Point of Service plan falls between HMOs and PPOs in terms of cost and combines features of both plans. POS plans allow you to choose what type of care you want at the beginning of every ...
The term “multiple employer welfare arrangement” means an employee welfare benefit plan, or any other arrangement (other than an employee welfare benefit plan), which is established or maintained for the purpose of offering or providing any [welfare benefit] to the employees of two or more employers (including one or more self-employed ...
Ladder: Ladder offers term life insurance policies without requiring a medical exam for coverage amounts up to $3 million. Applications for coverage under this amount can often be approved within ...
At $7,000 per year, or about $583 per month, a long-term care policy like this is priced higher than average for what most people can get. According to market data from the American Association ...
Epo (musician), Indonesian hip hop musician; EPO (Japanese musician), the stage name of Eiko Sato; Esperanto (ISO 639-2 code), a constructed language; European Payment Order, a debt-collecting system in the EU; Exclusive provider organization, in US health insurance
What Long-Term Care Insurance Covers. A long-term care insurance policy pays for the cost of care due to a chronic illness, a disability, or injury. It also provides an individual with a means to ...