Terms and Conditions

1. Introduction & Agreement

Welcome to Health Choice Insurance Partners. These Terms and Conditions (“Terms”) govern your use of our website, communications, and any services we provide related to Medicare education, insurance enrollment support, and plan consultations. By interacting with our website or scheduling an appointment, you agree to these Terms.

1.1 Who We Are

Health Choice Insurance Partners is an independent insurance agent or agency authorized to provide information and support regarding Medicare Advantage, Medicare Supplement (Medigap), and Prescription Drug Plans. We are not affiliated with or endorsed by the U.S. government or the federal Medicare program.

1.2 Agreement to Terms

By using our site or services, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy. If you do not agree, please discontinue use of our services.

1.3 Updates to These Terms

We may update these Terms occasionally. Updates will be posted to this page with a revised effective date. Your continued use of our services after changes are posted constitutes acceptance of the revised Terms.

1.4 Contact

For questions regarding these Terms, please contact us at (317) 308-0512.

2. Services Provided

2.1 Overview

Health Choice Insurance Partners provides insurance-related educational information and support in selecting and enrolling in Medicare-related health plans. Services may include plan comparisons, benefit reviews, and enrollment assistance.

2.2 No Cost to You

Our services are provided at no cost to Medicare beneficiaries. We are compensated directly by the insurance companies we represent, not by clients.

2.3 No Guarantee of Plan Approval

We do not control plan eligibility or approval decisions made by Medicare or private insurance carriers. Final enrollment is subject to carrier acceptance and applicable regulations.

2.4 No Legal or Tax Advice

The information we provide is for general educational purposes only and should not be considered legal, tax, or financial advice. Clients should consult with appropriate professionals for such guidance.

3. Client Responsibilities

3.1 Providing Accurate Information

Clients agree to provide truthful and accurate information when requesting support, comparing plans, or completing enrollment forms. We are not responsible for delays or issues caused by incomplete or inaccurate information.

3.2 Reviewing Plan Details

Clients are responsible for reviewing and understanding the terms of any Medicare plan they choose to enroll in. While we assist with plan education and guidance, final decisions and obligations rest with the client.

3.3 Eligibility Requirements

Enrollment in Medicare Advantage, Medigap, or Part D plans requires that clients meet eligibility criteria established by CMS (Centers for Medicare & Medicaid Services). We do not override these requirements.

3.4 Compliance with CMS Guidelines

All communications and marketing activities conducted by Health Choice Insurance Partners comply with CMS regulations. Clients must not request or encourage any services that would violate these rules.

4. Use of Our Website

4.1 Website Content

The information on our website is provided for educational purposes only. While we strive to keep content up to date, we cannot guarantee the accuracy or completeness of all information at all times.

4.2 No Endorsement

Mentions of specific insurance carriers, plan names, or benefits are for illustrative purposes only and do not imply endorsement or recommendation unless explicitly stated.

4.3 External Links

Our website may include links to external sites. We are not responsible for the content or privacy practices of those third-party websites.

5. Privacy & Data Use

5.1 How We Use Information

When you contact Health Choice Insurance Partners or fill out a form, we collect information such as your name, contact details, and coverage needs. This information is used solely to respond to your inquiry and assist with Medicare plan evaluation.

5.2 Protection of Information

We take reasonable measures to protect your personal information and do not share it with third parties except as needed to facilitate insurance-related services you request (e.g., enrollment submission to a carrier).

5.3 Your Consent

By submitting your contact information, you consent to be contacted by Health Choice Insurance Partners via phone, email, or text regarding Medicare-related services, even if you are on a state or federal Do Not Call list. You may opt out at any time.

6. Disclaimers & Limitations

6.1 No Government Affiliation

Health Choice Insurance Partners is not part of or endorsed by the U.S. government or the federal Medicare program. We are independent insurance agents offering plans from multiple private carriers.

6.2 Accuracy of Plan Data

Plan availability, premiums, and benefits are subject to change and may vary by region and carrier. While we make every effort to provide current and accurate information, final plan details should be confirmed directly with the insurance carrier.

6.3 Limitation of Liability

Health Choice Insurance Partners is not liable for losses or damages resulting from your reliance on information provided through our services or website. Your use of our services is at your own risk.

7. Termination of Services

We reserve the right to refuse or discontinue service if a client engages in abusive, unlawful, or unethical behavior. Clients may also terminate their relationship with us at any time by notifying us in writing or by discontinuing communication.

8. Governing Law

These Terms are governed by the laws of the state in which Health Choice Insurance Partners operates, without regard to conflict of law principles. Any legal action related to these Terms must be filed in the appropriate court within that jurisdiction.

9. Acceptance of Terms

By using our website or services, you confirm your acceptance of these Terms and agree to abide by them.