Terms of Service

1. Acceptance of Terms

By accessing and using the Medicare Moms website (medicaremoms.com), you agree to be bound by these Terms of Service. If you do not agree to abide by the above, please do not use this service. We reserve the right to modify these terms at any time. Your continued use of the website following any modifications constitutes your acceptance of the new terms.

2. Description of Services

Medicare Moms is a licensed insurance agency that provides information, guidance, and assistance in selecting and enrolling in health insurance plans, including Medicare, Medigap, Medicare Advantage, ACA Marketplace, dental, vision, and supplemental coverage. We are licensed insurance agents representing various insurance carriers, but we are not the insurance provider itself.

We do not create insurance policies, determine coverage eligibility, or make coverage decisions. All coverage decisions are made solely by the insurance carrier offering the plan. Our role is to help educate clients about available plans and facilitate the enrollment process.

3. No Guarantee of Coverage

While we work to provide accurate information about insurance plans and coverage options, we cannot guarantee that you will be approved for any particular plan or that your application will be accepted by an insurance carrier. Insurance approval is subject to underwriting review and the insurance company's eligibility requirements.

Plan availability, benefits, coverage, costs, co-payments, and other terms vary by location, age, health status, and may change at any time. The information provided on this website is illustrative only and does not represent actual plan pricing or guaranteed coverage.

You are responsible for reviewing the actual plan documents, summary of benefits and coverage, and insurance carrier communications to understand your specific coverage and benefits.

4. User Responsibilities

As a user of the Medicare Moms website, you agree to:

• Provide accurate and truthful information when requesting quotes, assistance, or enrollment
• Not use the website for any unlawful purpose or in violation of these terms
• Not attempt to gain unauthorized access to the website or its systems
• Not transmit viruses, malware, or any code of destructive nature
• Respect the intellectual property rights of Medicare Moms and its partners
• Not engage in any form of harassment or abusive behavior toward our staff or other users

5. Intellectual Property

All content on the Medicare Moms website, including but not limited to text, graphics, logos, images, and software, is the property of Medicare Moms or its content suppliers and is protected by United States and international copyright laws.

You are granted a limited license to view and print the content on this website for personal, non-commercial use only. You may not reproduce, distribute, modify, translate, or create derivative works of any content without express written permission from Medicare Moms.

6. Third-Party Links

The Medicare Moms website may contain links to third-party websites, including government agencies (such as Medicare.gov), insurance carriers, and other resources. These links are provided for informational purposes and convenience only. We are not responsible for the content, accuracy, or practices of these external websites.

Your use of third-party websites is governed by their own terms and privacy policies. We encourage you to review those terms before accessing external links.

7. Limitation of Liability

To the fullest extent permitted by law, Medicare Moms shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of or inability to use the website or services, even if we have been advised of the possibility of such damages.

Our total liability to you for any claim arising out of or relating to these terms or your use of the website shall not exceed the fees you paid to Medicare Moms in the 12 months preceding the claim, or $100, whichever is less.

Medicare Moms is not liable for errors or omissions in information provided on the website, delays in processing enrollment, or failure to obtain insurance coverage due to incomplete applications, inaccurate information provided by you, or insurance carrier decisions.

8. Privacy

We take your privacy seriously. Our collection and use of personal information is governed by our Privacy Policy. By using the Medicare Moms website, you consent to our collection and use of information as outlined in our Privacy Policy.

Please review our Privacy Policy to understand our practices regarding personal data collection, use, and protection.

9. Changes to Terms

Medicare Moms reserves the right to modify these Terms of Service at any time without prior notice. Changes will be effective immediately upon posting to the website. Your continued use of the website following any modifications constitutes your acceptance of the updated terms.

We encourage you to review these Terms of Service periodically to ensure you are aware of any changes.

10. Contact Information

If you have questions about these Terms of Service, concerns about your use of the website, or need to report a problem, please contact us: