Eppigo Health Insurance FAQs

Question 1

What is Eppigo?

Accepted Answer

Eppigo is a digital platform where you can find, compare, buy, and manage insurance in one place. It brings plans from multiple insurance carriers together in a clear experience that is free to use and available in English and Spanish.

Question 2

Where is Eppigo available?

Accepted Answer

Eppigo is available across the United States, in all 50 states and the District of Columbia. It is not currently available in Puerto Rico.

Question 3

Is Eppigo an insurance company?

Accepted Answer

No. Eppigo is operated by Epicare Insurance Corp., a licensed insurance agency. Eppigo is not an insurance carrier and does not underwrite, issue, or pay claims on insurance policies. It connects you with contracted insurance carriers and provides tools to find, compare, buy, and manage your coverage.

Question 4

Is Eppigo available in Spanish?

Accepted Answer

Yes. Eppigo is fully available in Spanish. The English and Spanish experiences were each designed natively, so one is not simply a translation of the other. Both provide the same access to plan information, comparison tools, purchasing, and policy management.

Question 5

Is Eppigo only for Spanish speakers?

Accepted Answer

No. Eppigo is for anyone in the United States who wants to find, compare, buy, or manage insurance. The platform is available in English and Spanish, and both experiences are designed to provide the same level of clarity and control.

Question 6

How is Eppigo different from buying directly or from other platforms?

Accepted Answer

Eppigo brings plans from multiple insurance carriers into one place so you can compare options more clearly. It also gives you an Insurance Wallet to manage policies, including policies purchased elsewhere, clear plan labels, guided questions, and an experience available in English and Spanish. Eppigo is free to use, adds no extra cost to the carrier's price, and uses no Meta Pixel, Google Analytics, or third-party trackers in your browser.

Question 7

Who is Eppigo for?

Accepted Answer

Eppigo is for anyone in the United States who wants a simpler way to find, compare, buy, or manage insurance. It serves freelancers, self-employed people, families, business owners, and other consumers looking for clearer coverage options and more control over their policies.

Question 8

Is Eppigo new?

Accepted Answer

Yes. Eppigo is a new platform launched by Epicare Insurance Corp. The agency behind it has more than five years of continuous experience serving clients, providing the foundation on which Eppigo was built. While the platform is new, the agency that operates it is established.

Question 9

Who is Epicare Insurance Corp?

Accepted Answer

Epicare Insurance Corp is a licensed insurance agency based in Miami, Florida (agency NPN 19985316). The agency has been serving clients for more than 5 years, with a large network of carrier appointments and licensed agents. Eppigo is the new technology platform that Epicare Insurance Corp built and launched.

Question 10

How much does Eppigo cost?

Accepted Answer

Eppigo is 100% free to use. There are no fees, surcharges, or markups, and the price shown for a plan is the same price offered directly by the insurance carrier.

Question 11

Will I pay more by going through Eppigo?

Accepted Answer

No. You will not pay more for using Eppigo. The price for the same plan is identical to the insurance carrier's direct price, with no extra charges or markups added by Eppigo.

Question 12

If it's free, how does Eppigo make money?

Accepted Answer

Eppigo may receive compensation from insurance carriers when a policy is issued. This compensation comes from the carrier, not from you, and does not increase the price of your insurance plan.

Question 13

Does Eppigo handle my payment?

Accepted Answer

Your premium is processed by the insurance carrier or its payment provider. Eppigo securely facilitates the payment process, but does not receive or hold your premium. Your card information is protected through a PCI-compliant tokenization vault, and you are charged only after the carrier approves your application.

Question 14

What kinds of insurance can I get right now?

Accepted Answer

Eppigo currently offers supplemental health insurance plans, including Dental, Vision, Hearing, Accident, Cancer, Hospital Indemnity, Critical Illness, Senior Supplement, and Out-of-Pocket Protection. Availability may vary by state, carrier, and applicant eligibility.

Question 15

What is a Guaranteed Issue plan?

Accepted Answer

A Guaranteed Issue insurance plan does not require health questions and generally cannot be declined based on your health history. When this type of plan is available, Eppigo identifies it clearly so you can compare it with other coverage options. Plan terms and effective dates may vary by carrier.

Question 16

What is Out-of-Pocket Protection?

Accepted Answer

Out-of-Pocket Protection is a supplemental health insurance plan that may pay cash benefits for qualifying medical expenses. These benefits can help with costs such as deductibles, copays, or other eligible expenses. It is not a substitute for primary health insurance, and benefits depend on the specific plan terms.

Question 17

What is supplemental health coverage?

Accepted Answer

Supplemental health insurance helps with specific expenses that primary health coverage may not fully pay. Depending on the plan, coverage may include Dental, Vision, Hearing, Accident, Cancer, Hospital Indemnity, Critical Illness, Senior Supplement, or Out-of-Pocket Protection. These plans can complement existing coverage, but they are not a replacement for primary health insurance.

Question 18

What is coming soon?

Accepted Answer

Eppigo currently focuses on supplemental health insurance. The platform may expand to additional insurance categories in future phases. Any new coverage options will be communicated when they are officially available.

Question 19

Why do some plans ask health questions?

Accepted Answer

Some insurance plans require health questions so the carrier can evaluate the application through a process called underwriting. These questions only appear when required for the selected plan. Your responses are encrypted while Eppigo submits the application to the carrier and are purged after the submission is confirmed.

Question 20

How do I apply for a plan?

Accepted Answer

To apply for an insurance plan through Eppigo, select a plan, answer the required questions, review the application, and submit it online. Eppigo guides you through each step and explains the requirements for the plan you choose.

Question 21

How long does it take to get covered?

Accepted Answer

The time it takes to get coverage depends on the plan and the carrier's review process. Some Guaranteed Issue plans may be processed quickly, while plans that require underwriting can take longer. Eppigo shows the available timing and effective-date information before you submit your application.

Question 22

Why do you ask for my health information?

Accepted Answer

Some plans require health information so the insurance carrier can evaluate your application. Your responses are encrypted and retained briefly while Eppigo delivers the application to the carrier. After receipt is confirmed, the responses are purged from Eppigo's systems.

Question 23

What if I don't have a Social Security Number?

Accepted Answer

Eppigo offers insurance options for different situations. Some plans may not require a Social Security Number, and others may accept an ITIN. The identification requirements depend on the plan and carrier, and Eppigo helps you identify the options available to you.

Question 24

What happens after I submit an application?

Accepted Answer

After you submit your application, Eppigo sends it directly to the insurance carrier for review. You can track its status in your account, including submitted, received, under review, approved, or issued, and Eppigo will notify you of important updates.

Question 25

Can I include my family?

Accepted Answer

Many supplemental health insurance plans allow you to include eligible family members or dependents. Eligibility, age limits, and household requirements vary by plan and carrier, and Eppigo displays the applicable options during the application process.

Question 26

What if my application is declined?

Accepted Answer

If the carrier declines your application or requests additional information, Eppigo will notify you. Any review, reconsideration, or appeal must be handled according to the carrier's process. When a consumer report is involved, additional rights and instructions may apply.

Question 27

Can I cancel a policy?

Accepted Answer

Cancellation terms depend on the policy, carrier, and state. Some plans include a free-look period during which you may cancel according to the terms shown in your policy documents. After that period, cancellation and refund eligibility are determined by the carrier and the coverage already provided.

Question 28

What does Eppigo do with my information?

Accepted Answer

Eppigo uses your information to show relevant insurance options, process applications, manage your policies, and provide support. Details about how your information is collected, used, retained, and protected are explained in the Eppigo Privacy Policy.

Question 29

Is Eppigo secure?

Accepted Answer

Eppigo uses encryption, access controls, audit logging, and multi-factor authentication to help protect personal information. Payment information is handled through a PCI-compliant tokenization vault. Eppigo is also implementing HIPAA controls and preparing for a SOC 2 audit.

Question 30

Do you sell my data?

Accepted Answer

No. Eppigo does not sell your personal information or share it for cross-context behavioral advertising. Eppigo also does not use Meta Pixel, Google Analytics, or third-party advertising trackers in your browser.

Question 31

Can I turn on extra login security?

Accepted Answer

Yes. You can enable multi-factor authentication in your account settings to add an extra layer of login security.

Question 32

Why is there no cookie banner?

Accepted Answer

Eppigo does not use third-party tracking or advertising cookies in your browser. It uses only essential first-party cookies for functions such as keeping you signed in and remembering your language preferences. More information is available in the Eppigo Cookie Policy.

Question 33

How does biometric sign-in work on mobile?

Accepted Answer

The Eppigo mobile app supports biometric sign-in through the security features available on compatible iOS and Android devices. Authentication is handled by your device's operating system, and Eppigo does not receive or store your biometric data.

Question 34

What about my medical information?

Accepted Answer

Your health answers are encrypted and retained only briefly while Eppigo delivers your application to the insurance carrier. After the carrier confirms receipt, the information is purged from Eppigo's systems. If additional information is required later, you may need to provide it again.

Question 35

Can I delete my account or get a copy of my data?

Accepted Answer

You may request deletion of your Eppigo account or, where applicable, a copy of your personal information. Some insurance, legal, or compliance records may need to be retained as required by law. The Eppigo Privacy Policy explains your rights and how to submit a request.

Question 36

What is the Wallet?

Accepted Answer

The Eppigo Insurance Wallet is a digital space where you can view and manage your insurance policies in one place. Policies purchased through Eppigo are added automatically, giving you a clear overview of your coverage and policy information.

Question 37

Can I add policies I bought somewhere else?

Accepted Answer

Yes. You can manually add insurance policies purchased outside Eppigo to your Insurance Wallet, allowing you to organize and manage your coverage in one place. You are responsible for keeping the information for externally added policies accurate and up to date.

Question 38

Can I save my ID card to my phone?

Accepted Answer

Yes. The Eppigo mobile app lets you access eligible insurance ID cards even without an internet connection. Offline access is protected by the biometric security features available on your mobile device.

Question 39

Can I share my coverage with my family?

Accepted Answer

Yes. Share Wallet lets you share selected insurance policies with family members without exposing your financial information. The recipient can view only the coverage you choose to share and cannot share it with someone else.

Question 40

Do I work with an agent or directly with Epicare?

Accepted Answer

It depends on how you access Eppigo. If you use an agent's referral link, that licensed agent may be associated with your account. If you access Eppigo directly, Epicare Insurance Corp. supports the insurance process. In either case, you do not pay an additional fee for agent assistance.

Question 41

Are Eppigo agents licensed?

Accepted Answer

Yes. Agents who assist through Eppigo are licensed insurance producers and must meet the licensing and carrier appointment requirements applicable to the insurance plans they offer.

Question 42

Do I pay the agent?

Accepted Answer

No. You do not pay an additional fee for an agent's help. Any agent compensation is provided by the insurance carrier and does not increase the price of your plan.

Question 43

Can I change my agent?

Accepted Answer

For policies added to your Wallet from outside Eppigo, you may be able to update the agent information you manage in the platform. For policies purchased through Eppigo, changes to the agent of record depend on the carrier's rules and the policy terms.

Question 44

Do I have to use the mobile app?

Accepted Answer

No. You can use Eppigo on the web to explore and compare insurance plans without downloading the mobile app. The Eppigo app is optional and adds features such as offline access to eligible insurance ID cards, biometric sign-in, and account notifications.

Question 45

Why does the mobile app require an account?

Accepted Answer

The Eppigo mobile app requires an account because it is designed for managing your insurance coverage and personal policy information. You can browse and compare plans on the Eppigo website without creating an account, while the app provides secure access to your Wallet, policy details, notifications, and other account features.

Question 46

What permissions does the app need?

Accepted Answer

The Eppigo app requests only the permissions needed for the features you choose to use. These may include notifications for application and account updates, camera or photo access when uploading documents, and biometric authentication when enabled. You can review and manage app permissions in your device settings.

Question 47

Can I get reminders for care and renewals?

Accepted Answer

Yes. The Eppigo mobile app can help you organize selected care, coverage, and renewal reminders through your Care List and account notifications. These reminders are provided to help you manage your insurance information and do not constitute medical advice.

Question 48

What is a premium, a deductible, a copay, coinsurance, and out-of-pocket maximum?

Accepted Answer

A premium is the amount you pay to keep an insurance policy active.

A deductible is the amount you may need to pay before certain benefits begin.

A copay is a fixed amount you pay for an eligible service.

Coinsurance is the percentage of a covered cost you are responsible for.

An out-of-pocket maximum is the most you may pay for eligible covered expenses during a plan year.

These terms, amounts, and limits vary by plan. Some supplemental health insurance plans may use different benefit structures.

Question 49

What is the difference between Term and Whole Life?

Accepted Answer

Term Life insurance provides coverage for a specific period.

Whole Life insurance is designed to remain in effect for life, as long as the required premiums are paid. Depending on the policy terms, it may also build cash value over time.

Eppigo currently focuses on supplemental health insurance, so Life Insurance products are not available on the platform at this time.

Question 50

How do I contact support?

Accepted Answer

You can contact Eppigo Member Support through the in-app chat in the Eppigo mobile app. The support team can help with questions about your account, the platform, applications, and policy management.

Question 51

Is Eppigo regulated?

Accepted Answer

Eppigo is operated by Epicare Insurance Corp., a licensed insurance agency with agency NPN 19985316. Epicare Insurance Corp. is subject to the insurance laws and regulatory requirements that apply in the jurisdictions where it operates.

Question 52

Is there a phone number I can call?

Accepted Answer

Eppigo support begins through the in-app chat. If additional assistance is needed, the support team will explain the available next steps through that conversation.

Question 53

What if I have a complaint?

Accepted Answer

For concerns about the Eppigo platform or your account, contact Member Support through the in-app chat. For a complaint involving a policy, coverage decision, premium, or claim, contact the insurance carrier using the information in your policy documents. You may also have the right to contact the insurance regulator in your state.

Question 54

Can I get help in Spanish?

Accepted Answer

Yes. Support is available in English and Spanish through the Eppigo in-app chat.

Question 55

Can I dispute a denial?

Accepted Answer

If an insurance carrier declines your application, requests additional information, or makes a coverage decision, any review or appeal must follow the carrier's process. When a consumer report was used, additional rights and dispute instructions may apply. Eppigo can help you identify where to find the appropriate information.

Question 56

What if I have an emergency?

Accepted Answer

For a medical emergency, call 911 or your local emergency services immediately. For urgent questions about an existing policy or coverage, contact the insurance carrier using the information in your policy documents or ID card. For Eppigo account or platform assistance, use the in-app chat.

Frequently Asked Questions

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Frequently Asked Questions

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