The EPO option is very similar to an HMO in the way benefits are applied. If you choose the EPO, you must receive treatment from an in-network provider. Only emergency services or urgent services received while out of the service area are covered when provided by out-of-network providers or facilities.

Factors to Consider:

• Large selection of network providers in the Humana Choicecare PPO Network.
• No referrals required for specialty care services.
• No coverage for out-of-network services except for life- or limb-threatening emergency.
• No deductibles to meet.
• All payments are set co-pay amounts.

Prior authorization required for the following services:

• Non-emergency In Patient Hospital Service
• Out Patient Surgery
• Mental Health and substance abuse services
• Durable Medical equipment

For a detailed list, consult your Summary of Benefits.