Because you and your dependents must enroll in the same option, you may want to consider enrolling in a plan that is not an EPO or HMO plan. These plans require members to use a specific provider network and do not cover care from providers outside of the network, except in an emergency. EPO and HMO plan networks are sometimes defined based on your location, so a PPO or HSA plan might be a better choice if you have dependents living in different states.