Disclaimer

Legal Disclaimer

Important compliance statements and Medicare-related disclosures.

Non-Government and Carrier Non-Endorsement

We are not affiliated with or endorsed by any government agency, the federal Medicare program, the Centers for Medicare & Medicaid Services (CMS), or any specific insurance carrier. This is an independent educational platform.

TPMO Disclaimer (Third-Party Marketing Organization)

We do not offer every plan available in your area. Currently, we represent [number] organizations which offer [number] plans in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your State Health Insurance Assistance Program (SHIP) for complete information on all available options.

Scope of Representation

Participating sales agencies represent Medicare Advantage (Part C) and/or Prescription Drug Plan (Part D) organizations that are contracted with Medicare. Enrollment in any plan depends on plan contract renewal and individual eligibility.

Enrollment Periods (OEP/SEP)

Enrollment in Medicare plans may be limited to specific times of the year (Annual Enrollment Period: October 15 - December 7) unless you qualify for a Special Enrollment Period due to certain life events. Contact us to learn if you qualify for a SEP.

General Benefits Disclaimer

Not all plans offer all benefits. Benefits, deductibles, copays, coinsurance, exclusions, and limitations vary by plan, carrier, county, and contract renewal. Always review plan materials before enrolling.

Medicare Communication Guidelines

We comply with all CMS marketing and communication guidelines. We do not engage in cold calling, cross-selling, or unauthorized enrollment practices.

Aetna Complaint Notice

To send a complaint to Aetna, call the number on your member ID card or contact Aetna member services. To contact Medicare directly about any complaint, call 1-800-MEDICARE (1-800-633-4227), TTY 1-877-486-2048, available 24/7.

No Medical Advice

Information on this website is not medical advice. Always consult with a qualified healthcare provider for medical concerns or treatment decisions.

Accuracy of Information

While we strive to keep information accurate and up-to-date, plan benefits, formularies, and networks change annually. Always verify details directly with the insurance carrier or Medicare before enrolling.

Last Updated: January 2025