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  • Legal Documents
  • Summary Plan Descriptions
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Is the Exclusive Provider Organization (EPO)—Albany or Connecticut area for me?

You might choose this option if:

• You're comfortable using network doctors.
• It's important to you to keep your out-of-pockets costs low.
• You don't want to deal with claim forms.
• You prefer an emphasis on prevention of illness and you want full coverage for preventive care services.

You might not choose this option if:

You don't want to use providers in the network.