[RunItUpTheGut]

Ok thank you so much. With my insurance I don’t have a deductible for anything. And I usually go to in network providers anyways. But EPO plan is cheaper by about half from what I carry right now. So before I switched I wanted to make sure there wasn’t any major “catches” to it. Because it pays the same as the one I have right now. Thanks Gut. I think you just helped me make my decision. Worst case. If I don’t like it. I’ll just switch in a year.

No problem buddy.
You should have a plan administrator threw your work that should be able to any questions you have assuming you work for a bigger company. It's usually going to be your HR person or whoever is setting up the open enrollment paper work.