1. Acceptance of Terms
By accessing, browsing, or using this website, you agree to be bound by these Terms of Service and all applicable federal and state laws. If you do not agree with any part of these terms, you must discontinue use of this site immediately.
2. Nature of Service & Non-Government Entity
Heritage Health Benefit Advocates is a privately operated healthcare education and insurance referral website. This website is not endorsed by, sponsored by, or affiliated with the Centers for Medicare & Medicaid Services (CMS), the Department of Health and Human Services (HHS), Medicare.gov, or any state or federal governmental entity.
3. CMS Required Medicare Disclosure
“We do not offer every plan available in your area. Currently we represent licensed insurance organizations offering Medicare Advantage (Part C), Medicare Supplement (Medigap), and Prescription Drug (Part D) plans in your area. Please contact Medicare.gov, 1-800-MEDICARE (TTY users should call 1-877-486-2048) 24 hours a day / 7 days a week, or your local State Health Insurance Program (SHIP) to get information on all of your options.”
4. No Professional Advice & Plan Availability
The materials and preliminary benefit summaries presented on this website are for educational and comparative purposes only and do not constitute legal, tax, or medical advice. Medicare plan benefits, premiums, copayments, deductibles, formularies, and provider networks vary by insurance carrier, geographic service area, and enrollment year, and are subject to CMS approval. Binding coverage is established solely upon carrier application approval and issuance of an official policy or Evidence of Coverage.
5. User Representations & Eligibility
By submitting an inquiry, you represent that you are a legal resident of the United States, at least 18 years of age, and that the information you submit is accurate and truthful. You confirm that you have full legal authority to request information on behalf of yourself or the individual named.
6. Limitation of Liability & Disclaimers
This website is provided on an “as is” and “as available” basis without warranties of any kind, whether express or implied. Under no circumstances shall Heritage Health Benefit Advocates, its operators, affiliates, or licensed agent partners be liable for any direct, indirect, incidental, consequential, or punitive damages arising out of your access to or inability to use this website.
7. Governing Law
These Terms of Service are governed by and construed in accordance with the laws of the United States, without giving effect to any principles of conflicts of law.
