Legal & compliance

EPICARE® is a federally registered trademark of Epicare Insurance Corp, registered with the United States Patent and Trademark Office (USPTO) under U.S. Registration Number 8148738, effective February 24, 2026.

The EPICARE® mark covers the core activities of the platform: insurance brokerage and agency services (Class 036) and consumer marketing services (Class 035). Unauthorized use of EPICARE® or any confusingly similar mark in connection with insurance or marketing services is prohibited and may constitute trademark infringement.

All other trademarks referenced on the platform belong to their respective owners.

3.1 Insurance Licensing

Epicare Insurance Corp maintains active insurance producer licenses in all 50 U.S. states, Washington D.C., and Puerto Rico, for a total of 52 active licenses. License status and appointments are maintained and verified through the National Insurance Producer Registry (NIPR) and applicable state departments of insurance.

3.2 Products and Licensing Categories

Epicare Plans offers access to insurance products across the categories below. Each category is offered only where Epicare Insurance Corp holds the appropriate active licenses and carrier appointments.

3.3 Carrier Relationships

Epicare Insurance Corp enters into contractual agency agreements and, where applicable, API or data integrations with insurance carriers to offer products on Epicare Plans. Representative carrier relationships include:

• Ameritas Life Insurance Corp. — Dental and Vision
• Allstate Health Solutions — Multiple supplementary health and life products
• Manhattan Life — Life and supplementary health products
• Mutual of Omaha — Life and supplementary health products
• Triple-S — Health and supplementary health products (Puerto Rico)

Additional carrier appointments may be added as agreements are finalized; the platform may display only carriers with whom Epicare Insurance Corp has an active appointment for the product and jurisdiction shown.

Epicare Plans may integrate with third-party service providers (e.g., carriers, enrollment tools, communications) under agreements that require appropriate use and protection of information. This page summarizes key regulatory and business disclosures; it does not replace policy documents or carrier-specific terms.

4.2 No Legal, Medical, or Financial Advice

Information on Epicare Plans is provided for general informational purposes only. It does not constitute legal, medical, financial, or tax advice, and it is not a substitute for professional advice tailored to your situation.

You should consult qualified professionals regarding coverage decisions, health matters, and financial planning. Licensed agents can explain product options; final terms are governed by the carrier's policy and disclosures.

4.3 Premium Pricing

Premiums quoted for a given product and applicant profile are the same as those available from the carrier directly for that same product and rating factors, subject to carrier rules and state filing. Epicare Insurance Corp is compensated through commissions or other permitted compensation paid by carriers, not by increasing the premium you pay for the same coverage.

4.4 No Guarantee of Enrollment Approval

Submission of an application or quote request does not guarantee approval. Enrollment is subject to the carrier's underwriting, eligibility, and verification requirements, which may include health history, identity verification, and payment of initial premium where applicable.

Carriers may decline coverage, offer modified terms, or require additional information. Epicare Plans does not control carrier underwriting decisions.

4.5 ACA/Marketplace and Medicare Advantage

Affordable Care Act (ACA) Marketplace plans and Medicare Advantage (including MAPD) products, where offered, are available only through an agent-assisted enrollment process in compliance with applicable CMS and state rules. Self-service enrollment for these products may not be available on the platform.

Eligibility for subsidies, special enrollment periods, and plan availability depends on federal and state programs; a licensed agent will guide you through the steps required for your situation.

5.1 HIPAA Compliance

Epicare Insurance Corp is committed to protecting the privacy and security of health information in compliance with the Health Insurance Portability and Accountability Act (HIPAA).

• Health information submitted during enrollment is transmitted directly to the carrier (pass-through) and is not stored by Epicare Plans
• Access to health-related information is restricted to authorized personnel on a need-to-know basis
• Electronic signatures involving health information comply with HIPAA requirements for electronic records
• Epicare implements administrative, physical, and technical safeguards for any health information it handles

5.2 TCPA Compliance

Epicare Insurance Corp complies with the Telephone Consumer Protection Act (TCPA) and FCC regulations governing marketing communications.

• Marketing communications via SMS, automated calls, and pre-recorded messages are sent only to users who have provided prior express written consent
• TCPA consent is not a condition of using the platform or purchasing insurance
• TCPA consent is captured separately with a clear and conspicuous opt-in mechanism
• Users may withdraw marketing consent at any time through Account Settings
• Consent records are retained for a minimum of 10 years

5.3 ESIGN Act Compliance

Epicare Plans operates as a fully electronic platform in compliance with the Electronic Signatures in Global and National Commerce Act (ESIGN Act, 15 U.S.C. § 7001 et seq.).

• Users provide affirmative consent to electronic records and signatures before any electronic documents are delivered
• Users are informed of their right to withdraw electronic communications consent and the consequences of doing so
• Electronic signatures include a complete audit trail with timestamp, IP address, device information, and document version
• All signed documents are stored as tamper-evident PDFs with SHA-256 integrity verification

5.4 CMS and Medicare Marketing Guidelines

For Medicare Advantage and Medicare Supplement products, Epicare Insurance Corp complies with the Centers for Medicare & Medicaid Services (CMS) Medicare Communications and Marketing Guidelines (MCMG).

• Scope of Appointment (SOA) forms are completed and documented before discussing Medicare Advantage plans with beneficiaries
• SOA records are retained for a minimum of 10 years
• Medicare marketing activities comply with all applicable CMS restrictions

5.5 CAN-SPAM Act Compliance

All commercial email communications comply with the CAN-SPAM Act, including clear sender identification, accurate subject lines, a visible opt-out mechanism in every commercial email, and prompt processing of opt-out requests.

6.1 State Licensing Maintenance

Epicare Insurance Corp maintains active insurance producer licenses in all 52 jurisdictions where it operates. License maintenance and renewals are managed through NIPR integration, ensuring licenses remain current and in good standing.

6.2 Appointment Requirements

Epicare Insurance Corp and its agents are appointed with each carrier for the states in which they sell that carrier's products, in compliance with state appointment requirements.

6.3 State-Specific Disclosures

7.1 Internal Complaint Resolution

Contact us through the in-app support chat. We will acknowledge your complaint within 2 business days and work to resolve it within 30 business days.

7.2 State Insurance Department Complaints

If you are not satisfied with our resolution, or if your complaint involves an insurance coverage issue, you have the right to file a complaint with your state's insurance regulator.

7.3 Medicare Complaints

For Medicare-related complaints, beneficiaries may contact:

• Medicare.gov: 1-800-MEDICARE (1-800-633-4227)
• Your State Health Insurance Assistance Program (SHIP)

Epicare Insurance Corp is committed to the prevention and detection of insurance fraud. Our anti-fraud program includes employee and agent training, fraud investigation procedures, and cooperation with state fraud bureaus and law enforcement. Providing false, misleading, or incomplete information on an insurance application is a crime in all states and may result in application denial, policy rescission, civil liability, and criminal prosecution.

Epicare Insurance Corp complies with applicable federal and state anti-money laundering (AML) laws and regulations, including the Bank Secrecy Act where applicable to insurance activities. All Epicare Insurance Corp agents are current with their annual AML training requirements.

Epicare Plans maintains comprehensive electronic records in compliance with applicable state and federal requirements:

Epicare Plans is committed to making our platform accessible to all users. The platform is available in English and Spanish, with each language experience designed to be native and natural. We are working toward compliance with Web Content Accessibility Guidelines (WCAG) 2.1 Level AA standards. If you require assistance accessing the platform or need information in an alternative format, contact us through the in-app support chat.

This Legal & Compliance page is updated as needed to reflect changes in our licensing, regulatory status, or compliance programs. For questions about our legal and compliance information, contact us through the in-app support chat within the Epicare Plans application.