Welcome to your Exclusive Provider Organization (EPO) Plan

  • Get started with your plan:

    1. Create a secure account

    Man with cell phone

    First, create an account. Then, log in and register your account by entering the member identification number from the front of your ID card.

    Create an account

    or log in to your account.

    2. Find an in-network doctor

    primary care physician icon

    Log in and use the Find a Doctor tool to find healthcare providers in your network. Your EPO plan only covers in-network care unless you have a medical emergency. You pay the full cost for non-emergency care you receive out of network.

    3. Make an appointment for a checkup

    Annual check up

    Preventive care is covered by your health plan. It's very important to stay current on health screenings, tests, and vaccinations. See what is considered preventive care.

    How your plan works

    To help you understand your health plan, here's an example to explain how it works.*

    Let's say your health plan has in-network  services covered with a $2,500 deductible , $35 office visit copay , 30% coinsurance , and $6,350 out-of-pocket  maximum.

    1. You pay for most care and medical services (diagnostic tests, emergency care, prescriptions), until you meet your deductible of $2,500. For each office visit, you pay a $35 copay, even though you have not met your deductible.
      Your plan pays for some care in full, including most preventive care, even before you meet your deductible.

    2. After you've paid $2,500, your plan starts paying 70% of the cost of covered care. You pay 30%, your coinsurance.
      For example, if the total cost of an office visit was $200, you'd pay $60 coinsurance. Your plan would pay $140. For an office visit, you'd also pay a $35 copay.

    3. After you've paid $6,350 in deductible, copays, and coinsurance, or your out-of-pocket maximum, your plan pays 100% of your covered care for the rest of the plan year.
    * This is an example only. For details about your plan's actual deductible, copay, coinsurance, and out-of-pocket maximum amounts, see your summary of benefits and your benefit booklet.