Tony Novak profile picture
  "AskTony" column archive        


Most Popular

AskTony Archive

This Web site contains a compilation of more than a thousand consumer finance  columns written by Tony Novak from the 1980s through 2006, updated and reformatted for maximum usefulness today.  New material was added after 2010.

Content is the opinion of the author and does not represent the position of any other person or entity. Information is from sources believed to be reliable but cannot be guaranteed.

The author is paid for product endorsements and has an ownership or other financial interest in the businesses related to the topics covered.

New questions

Submit consumer finance questions at and health insurance questions at

Sponsored by: Insurance Exchange - your source of valuable information on state and federal health reform benefits.

Core Health Insurance - America's favorite mini-med insurance  with affordable premiums, freedom to choose providers, optional PPO discounts and guaranteed eligibility regardless of medical conditions.

Please support the Web sites that make publication of AskTony services possible.

EPO - Exclusive Provider Organization

originally posted: 11/22/2006  reposted: 2/18/2011 This post has not been recently reviewed or revised by the author and may be out of date. If you notice an error or are in doubt, please send a new question by email or ask for an update. Email

Q: What does "EPO" mean in a health plan description?

A: EPO stands for Exclusive Provider Organization, a relatively new term in the health insurance field. It means that no benefits are provided outside of the designated treatment facility or named medical providers. This type of health plan is common on college campuses, and as an alternative to regular health plans in states like Massachusetts, New Jersey and New York where traditional health insurance is unaffordable for many people. This provides an affordable alternative but with obvious risks that we consider unacceptable. It is important to note that none of the plans supported by OnlineAdviser are EPOs. All of the plans on or any other Web site with the OnlineAdviser logo provide benefits with any medical provider of your choice. lists only those low cost health plans that meet stated criteria for quality of benefits as well as value.


More resources: low cost health insurance