Live in Illinois · Coming to AZ, TX and FL
Northwestern doctors. Lower total cost.
Your members pay $0 at Northwestern Medicine. You pay three numbers you can read. Self-funded, for employers with 5+ employees.
Your plan
Find the right doctor
Northwestern Medicine
Tier 1 · Orthopedics
Primary care
Tier 1 · Near you
Your navigator
I found three Tier 1 surgeons near you. Want me to book?
*Sample plan design. Illustrative.
$0
Tier 1 for members. No deductible, no copay
3
Numbers make up your monthly cost
Monthly
Reporting. The data is yours
How the plan works
Three tiers. One promise.
The best hospital in town is also the cheapest place to go.
Tier 1 · Preferred
$0
Northwestern Medicine and direct contracts
No deductible, no copay, no coinsurance. Facility and physician.
Tier 2 · Participating
Standard
The Unity Network
Deductible, copays and coinsurance at a contracted rate.
Tier 3 · Non-participating
50%
Out of network, by choice
Higher deductible. The only place reference pricing applies.
What you pay
Your monthly cost, in three numbers.
Flat PEPM, fully unbundled. Nothing hidden behind them.
- No percentage of savings
- No undisclosed overrides
- No spread
Stop-loss premium
Insurance against catastrophic claims.
Claims allocation
Your money, paying your people's claims.
Fixed admin fee
Flat PEPM. Every vendor, line by line.
Side by side
A traditional carrier vs. EPC.
Your best hospital
Traditional carrier: In network, same cost share as everyone else
It is the plan, at $0 to the member
What you pay
Traditional carrier: One bundled rate you can't break apart
Three numbers, each disclosed
How vendors earn
Traditional carrier: A cut of what they claw back
Flat fees to run your plan
Your data
Traditional carrier: The carrier's
Yours, every month
For plan fiduciaries
Can you explain where your money went?
Under ERISA, you have to. EPC answers it on one page, every month.
- Utilization, unit cost and steerage
- By population and by site
- Your data, not the carrier's
Plan analysis · Sample group
Illustrative11–20% year-one savings
Fees
Fixed
Pharmacy
Pass-through
Bad year
Capped
What EPC is not
Real contracts. Not a workaround.
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.
Northwestern Medicine at Tier 1
Files via secure upload under a BAA
Three numbers, all disclosed
Monthly reporting
The network
Northwestern at the center.
Tier 1 in Illinois, with UChicago and Loyola. Members can nominate their own doctors.
Illinois network
LiveTier 1
Northwestern Medicine · UChicago Medicine · Loyola Medicine
Tier 2
Unity Network
Tier 3
Out of network
Built for everyone on the plan.
Figures marked illustrative come from sample groups and are not quotes.
Find out how much you'll save.
Send your census and claims. We model your population.