The United Healthcare (UHC) Exclusive Provider Organization (EPO) plan operates just like a Health Maintenance Organization (HMO) in that you may only select doctor's in a designated network (UHC network). You may need to select a Primary Care Physician (PCP) who manages your healthcare needs; however, unlike an HMO, you do not need to get a referral from your PCP to see a specialist. Visits to a an in-network specialist are covered however, services rendered by a specialist that is not in the UHC network are not covered. There are no out-of-network benefits in an EPO, except for medical emergencies. For more information, please view the UHC pre-enrollment website.