21 Compare PPOs, EPOs and HMOs Why would I choose a PPO? You have a doctor you like and want to keep your doctor. You want the freedom to see providers out of your network even if you have to pay more. You want to see specialists and other providers without having to get referrals or pre-approvals. Why would I choose an EPO? You do not want to use a primary care physician and do not want to get referrals to see specialists. You also don’t mind staying within the policy’s network of physicians. Why would I choose a HMO? You want to have a primary care doctor who can help you decide what care you need and how to get it. Often HMOs have fixed co-pays for certain services, so you don’t have to worry about getting a bill for a percentage of the cost of care.