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EPC, Employers Preferred Choice

For brokers and consultants

The plan your fiduciary-minded clients have been asking for.

Northwestern at $0 to members. Three numbers your client can audit. Pay you can disclose.

What you're selling

The short version.

Real contracts, a real network, a fee structure your client can read.

Tier 1 at $0

Northwestern and direct contracts. Facility and physician.

Three-line cost

Stop-loss, claims allocation, one flat admin fee.

Seven plans, off the shelf

Low deductible through HSA. Custom for eligible groups.

Real ERISA and ACA

No group-of-one or association workarounds.

Monthly reporting

Utilization, unit cost and steerage, by site.

A fiduciary answer

Who is paid what, in writing, for the sponsor.

How you get paid

Flat. Disclosed. On the case.

In writing, to the client. That's the whole answer.

  • No volume overrides or placement bonuses
  • We never compete with you for the relationship
  • A defensible position when the CFO asks
Be direct about the math
If your book depends on carrier overrides, EPC won't replace that in year one. It gives you a defensible position with clients asking the fiduciary question, and renewals that hold because the plan performs. Compensation starts once you're appointed; quotes can start today.

Flat

Paid fairly for the work, per case

Disclosed

To your client, so it's never a problem

Today

Start quoting before you're appointed

The first objection

What EPC is not.

Not reference-based pricing

Real signed contracts. No repricing after the fact.

Not a discount card

A real plan with a real network.

Not a bundled level-funded rate

Every fee broken out and disclosed.

Not percentage-of-savings

Nobody earns more when claims cost more.

Who it fits

Know the fit before the meeting.

Location

Poor fit: Employees far outside the anchor's service area

Concentrated around Northwestern

Buyer

Poor fit: Wants the cheapest fixed cost, nothing else

A CFO asking what the broker and carrier are paid

Funding

Poor fit: Happy with a bundled carrier rate

Self-funded or level-funded, or ready to be

Getting appointed

Three steps. We handle the hard one.

  1. Start with your NPN

    About two minutes, online.

  2. E-sign securely

    W-9, agreement and E&O behind a private link.

  3. Quote and enroll

    Portal login, schedule and sales kit.

Everything else you need.

Broker kit

Deck, RFP checklist, census template.

Get the kit

Quote a group

Start with the RFP checklist. Files later, securely.

Start a quote

Broker FAQ

Appointment, pay and quoting answers.

Read the FAQ

Bring your clients a plan they can defend.

Start your appointment today.

Get appointed
Get appointed