EPO Plans Exclusive Provider Option Plans
What is an EPO Plan?
PCHP EPO plans are structured much the same as POS plans; however, out-of-network benefits are reduced. EPO plans are often compared to traditional HMO plans because a strong incentive exists to seek only in-network care.
Advantages of Physicians Care EPO Plans
- EPO plans usually create the greatest degree of in-network utilization and therefore maximize the favorable impact of negotiated network rates or discounts.
- In-network personal care physicians facilitate convenient and appropriate access to specialists for covered persons.
- EPO plans usually have the lowest premiums or self-funded plan costs.
Is this plan right for me?
If most of the enrolled members in your group health plan reside in the Physicians Care Network service area, you probably have little need for out-of-network benefits. An EPO plan design might be a good choice. EPO plans are our most economical traditional health plan offerings.
Need a Quote?
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Coverage Map 
Physicians Care has contracted with providers along the Lake Michigan shore from Benton Harbor and St. Joseph to Kalamazoo and Battle Creek; up through South Haven, Hastings, Holland, Grand Rapids, and Muskegon; and north through Ludington, Cadillac, Traverse City, and Petoskey. The Physicians Care Network also offers coverage across northern Michigan east to Saginaw, Bay City, and Port Huron.