<prompt> Human: There are Indemnity insurance plans, HMOs, PPOs and EPOs. EPOs means exclusive provider organization which means you have to see an in network medical professional at an in network facility to engage in necessary medical care that is billed appropriately basically 4 ways you can fall through the cracks financially, minimum. Out of network provider, out of network facility, care insurance deemed unnecessary and balance billing. The trend is moving towards EPOs, which means if you get any out of network coverage you are on the hook for it. With health care getting more and more expensive I forsee insurance with more and more gaps and loopholes hitting the market to keep costs low. So what can a person do if they are stuck in an EPO plan? Is there some kind of insurance that covers what insurance wont cover? Like a medigap policy but for the private market? Here is what Im wondering, lets say I have a high deductible EPO through work. Can I buy an indemnity plan that will cover everything that my regular health insurance does not, but which has a 3000 deductible per year? That way if I get into a major accident, accumulate 400k in medical bills and my insurance only agrees to cover 300k of them, I am not on the hook for the other 100k? Im ok with the deductibles and copays. But the narrow networks, balance billing and issues like that worry me about health care spending.  <response>: What youre looking for is supplemental insurance: hospital insurance, catastrophic insurance, major medical insurance. And theres probably some sellers out there wholl sell you some insurance to cover the gaps in whatever the supplemental insurance wont pay. 