Terms and Conditions: MedicareInsurance.com

Understanding Our Agreement: Exploring Terms & Conditions

This Terms of Use Agreement sets forth the standards of use of the MedicareInsurance.com Online Service (“MedicareInsurance.com,” or the “Site”). MedicareInsurance.com is owned and operated by Health Insurance Associates, LLC (hereinafter, the “Company,” or “Health Insurance Associates”), a licensed insurance agency (see Licensing). By using MedicareInsurance.com you (the “Member”) agree to these terms and conditions. If you do not agree to the terms and conditions of this agreement, you should immediately cease all usage of this Site. We reserve the right, at any time, to modify, alter, or update the terms and conditions of this agreement without prior notice. Modifications shall be active immediately upon being posted at MedicareInsurance.com. Your continued use of the Site after changes are posted constitutes an acknowledgment and acceptance of the Agreement and its modifications. Except as provided in this paragraph, this Agreement may not be amended.

1. Description of Service

MedicareInsurance.com is delivering Member with a range of information and resources relating to Medicare coverage, health, and wellness. There are articles, resources, images, and other content (“Content”) written by us or commissioned from writers; and content we have licensed from well-respected sources and/or partners. The Content we write and commission is written and reviewed by reputable sources before it is posted. Content provided by our partners is also, where appropriate, subject to review by the MedicareInsurance.com team before it is posted. Everything we offer on the Site is referred to in these Terms of Service collectively as “the Services.” Review our Privacy Policy for additional information on how we do business.

2. TPMO Disclaimer

We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.

3. Federal contracting statement

Plans are insured or covered by a Medicare Advantage organization with a Medicare contract and/or a Medicare-approved Part D sponsor. Enrollment in the plan depends on the plan’s contract renewal with Medicare.

4. This Site Does Not Provide Medical Advice

The contents of MedicareInsurance.com, such as text, graphics, images, information obtained from MedicareInsurance.com’s licensors, and other material contained on the Site (“Content”) are for informational purposes only. The Content should never be substituted for professional medical advice, diagnosis, or treatment. Always seek the advice of your physician or another qualified health provider with any questions you may have regarding a specific medical condition. Never disregard professional medical advice or delay in seeking it because of something you have read on MedicareInsurance.com. MedicareInsurance.com does not recommend or endorse any specific tests, physicians, products, procedures, opinions, or other information that may be mentioned on the Site. Reliance on any information provided by MedicareInsurance.com, MedicareInsurance.com employees, others appearing on the Site at the invitation of MedicareInsurance.com, or other visitors to the Site is solely at your own risk.

5. We Are Not Associated With Any Government Nor Do We Claim To Be

MedicareInsurance.com, DBA of Health Insurance Associates LLC, is privately owned and operated. MedicareInsurance.com is a non-government asset for people on Medicare, providing resources in easy to understand format. The government Medicare site is www.medicare.gov. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.

This Site is a private website and is not, associated, endorsed, or authorized by the Social Security Administration, the Health Care Financing Administration, the Department of Health and Human Services, or the Centers for Medicare & Medicaid Services nor do we claim to be. This site contains basic information about Medicare, services related to Medicare, and services for people with Medicare.

 

6. Disclaimer of Warranties

The site is provided by Health Insurance Associates, LLC on an “as is” and on an “as available” basis. To the fullest extent permitted by applicable law, Health Insurance Associates, LLC makes no representations or warranties of any kind, express or implied, regarding the use or the results of this Site or the information, content, materials, or products included in the Site in terms of its correctness, accuracy, reliability, or otherwise. All links to other websites are provided as a courtesy only and you expressly agree that the use of them is at your own risk. Health Insurance Associates, LLC shall have no liability for any interruptions in the use of this Site. Health Insurance Associates, LLC does not warrant that this Site, its servers, or e-mail sent from Health Insurance Associates, LLC are free of viruses or other harmful components. Health Insurance Associates, LLC disclaims all warranties with regard to the information provided, including the implied warranties of merchantability and fitness for a particular purpose, and non-infringement. Some jurisdictions do not allow the exclusion of implied warranties, therefore the above-referenced exclusion is inapplicable.

7. Limitation of Liability

HEALTH INSURANCE ASSOCIATES, LLC SHALL NOT BE LIABLE FOR ANY DAMAGES WHATSOEVER, AND IN PARTICULAR REAL TIME SHALL NOT BE LIABLE FOR ANY SPECIAL, INDIRECT, CONSEQUENTIAL, OR INCIDENTAL DAMAGES, OR DAMAGES FOR LOST PROFITS, LOSS OF REVENUE, OR LOSS OF USE, ARISING OUT OF OR RELATED TO THIS WEBSITE OR THE INFORMATION CONTAINED IN IT, WHETHER SUCH DAMAGES ARISE IN CONTRACT, NEGLIGENCE, TORT, UNDER STATUTE, IN EQUITY, AT LAW, OR OTHERWISE, EVEN IF REAL TIME HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. SOME JURISDICTIONS DO NOT ALLOW FOR THE LIMITATION OR EXCLUSION OF LIABILITY FOR INCIDENTAL OR CONSEQUENTIAL DAMAGES, THEREFORE SOME OF THE ABOVE LIMITATIONS ARE INAPPLICABLE.

8. Indemnification

Member agrees to indemnify and hold Health Insurance Associates, LLC, its parents, subsidiaries, affiliates, officers and employees, harmless from any claim or demand, including reasonable attorneys’ fees and costs, made by any third party due to or arising out of Member’s use of the Service, the violation of this Agreement, or infringement by Member, or other user of the Service using Member’s computer, of any intellectual property or any other right of any person or entity.

9. Third-Party Sites

This Site may include links to other websites on the Internet that are owned and operated by other third parties. Although we may provide oversight of some content on certain third-party sites as required by our agreements with insurance companies or by applicable government regulations, you acknowledge that we are not responsible to you for the availability of, or the content located on or through, any third-party website. You should contact the website administrator or webmaster for those third-party sites if you have any concerns regarding such links or the content located on such sites. Your use of those third-party websites is subject to the terms of use and privacy policies of each website, and we are not responsible therein. We encourage all Members to review said privacy policies of third-parties’ sites.

10. Governing Jurisdiction of the Courts

Our website is operated and provided in the State of Florida. As such, we are subject to the laws of the State of Florida, and such laws will govern this Agreement, and any dispute of any sort that might arise between Member and Health Insurance Associates, LLC, without giving effect to any choice of law rules.

11. Copyright and Trademark Information

All content included on this site, such as text, graphics, logos (including the MedicareInsurance.com logo), button icons, images, audio clips, digital downloads, data compilations, and software, is the property of Real Time or its content suppliers and protected by the United States and international copyright laws. The compilation of all content on this site is the exclusive property of Health Insurance Associates, LLC and protected by the United States and international copyright laws. All software used on this site is the property of Health Insurance Associates, LLC or its software suppliers and protected by the United States and international copyright laws. Health Insurance Associates, LLC is a registered trademark of the Company. MedicareInsurance.com is a registered domain owned by Health Insurance Associates, LLC. The Company’s trademarks may not be used in connection with any product or service that is not the Company’s, in any manner that is likely to cause confusion among customers, or in any manner that disparages or discredits the Company. All trademarks not owned by the Company that appear on this website are the property of their respective owners.

12. Consent to Contact

By entering your contact information and submitting it anywhere on this site – including forms, email, or via our chat functionality – you consent to receive emails, telephone calls, and text messages from MedicareInsurance.com and our affiliates or third-party partners. These communications will describe different health insurance products and services available to you, including Medicare Advantage Plans and/or Prescription Drug Plans. Entering your personal contact information – including your name, phone number, and email address – is optional, and you can make a purchase by calling 1-800-950-0608 TTY 711 to speak to a licensed insurance agent instead.

13. Social Media Lead Forms Consent to Contact

By entering your contact information on any lead form on MedicareInsurance.com, Facebook, Instagram, Pinterest, YouTube, Twitter or any other social media sites, apps or websites owned and/or operated by MedicareInsurance.com DBA Health Insurance Associates, LLC, you provide electronic signature as an indication of your intent to speak with a Licensed Medicare Insurance Agent about Medicare Advantage, Part D or Medicare Supplement Plans. This is a solicitation for insurance. These communications will describe different health insurance products and services available to you, including Medicare Advantage Plans and/or Prescription Drug Plans. Entering your personal contact information – including your name, phone number, and email address – is optional, and you can make a purchase by calling 1-800-950-0608 TTY 711 to speak to a licensed insurance agent instead.

14. Medicare Supplement Insurance Plans

This communication’s purpose is insurance solicitation. A licensed insurance agent/producer or insurance company will contact you. Medicare Supplement insurance plans are not linked with or sanctioned by the U.S. government or the federal Medicare program.

 

 

WE OFFER MEDICARE ADVANTAGE PLANS FROM
UnitedHealthcare®, Aetna®, HealthSpring℠, Wellcare®, and Anthem®

Privacy Policy

Last updated: 2025-10-1

Effective Date: 2025-10-1

This Online Privacy Policy ("Policy") covers how, MedicareInsurance.com, a DBA of Health Insurance Associates, LLC ("we," "us," or "our") treats your personal information and other information that we collect when you interact with our website or services.

What is Personal Information?

Personal information is any information that can reasonably identify you as an individual, by itself or with other personal or identifiable information. We may collect information about you in a variety of ways depending on how you interact with us and our website, products, and services. The specific personal information that we collect, use, disclose, and sell depends on our relationship or interaction with you.

Personal Information We Collect Online

How do we collect personal information online?

We collect personal information from a variety of sources, including from you directly when you access certain portions of our website and complete the required information request form and/or otherwise provide such information to us, automatically through the use of cookies, server logs, and other similar technologies when you interact with our websites, and from other sources, including, for example, our affiliates, business partners, service providers, and other third parties, or from publicly available sources.

  • Where you attempt to utilize the contact forms on our site, you may be required to submit, and we may collect, some or all of the following information: (a) your email address; (b) your full name; (c) your telephone number; (d) certain information pertaining to your desired healthcare goals; (e) certain information pertaining to your health, including Medicare status and eligibility to enroll in an insurance plan; and (f) any other information requested on the contact forms. Upon clicking on the applicable submission button on the website: (i) we may pass this information along to one or more of our partners; and (ii) you may be contacted by us and/or one or more of our partners regarding your request. Where we contact you in connection with your submission of personal information, our representatives may request additional information over the telephone including some or all of the following: (A) your date of birth; (B) your mailing address; (C) certain information pertaining to the your desired result; and (E) any other information requested by our applicable representative.
  • We may collect certain personal information about you and your desktop computer and/or mobile device when you visit many of the pages of the website. This information may include the type of browser that you use (e.g., Safari, Chrome, Internet Explorer), your IP address, the type of operating system that you use (e.g., Windows or iOS) and the domain name of your internet service provider (e.g., Verizon, AT&T). We use this information to improve the design and content of the Site Offerings and to enable us to personalize your Internet experience. We also may use this information in the aggregate to analyze usage of the Site Offerings.
  • We may use cookies or other technology to deliver more relevant advertising and to link data collected across other computers or devices that you may use. When you visit our website, we send one or more cookies and/or .gif files (collectively, "Cookies") to assign an anonymous, unique identifier to your computer. A Cookie is a piece of data stored on your hard drive containing non-personally identifiable information about you. Cookies have many benefits to enhance your experience on our site. We use Cookies to improve the quality of the Site Offerings, including for storing your preferences and tracking Site-User trends (such as pages opened and length of stay at the Site). We do not currently recognize Do Not Track requests or headers from your browser.

Use of Personal Information

Where you submit personal information, we use the information that you make available to personalize your experience with the site and to facilitate the delivery of the applicable services to you, including to respond to any inquiries you make.

We will also use your personal information for customer service, to provide you with information that you may request, to customize your experience with the site, and/or to contact you when necessary in connection with your use of the site. We may also use your personal information for internal business purposes, such as analyzing and managing our service offerings including, without limitation, the site itself. We may also combine the information we have gathered about you with information from other sources.

We reserve the right to transfer and/or sell aggregate or group data about users of the site for lawful purposes. Aggregate or group data is data that describes the demographics, usage, and other characteristics of these users as a group, without disclosing personally identifiable information. To the extent we maintain and use personal information in a deidentified form, we will not attempt to reidentify the information, except for the purpose of determining whether our deidentification processes satisfy our legal obligations.

Disclosure of Personal Information

In addition to the specific situations discussed elsewhere in this Privacy Policy, we may disclose personal information in the following situations:

  • Affiliates and Acquisitions. We may share information with our corporate affiliates (e.g., parent company, sister companies, subsidiaries, joint ventures, or other companies under common control). If another company acquires, or plans to acquire, our company, business, or our assets, we will also share information with that company, including at the negotiation stage.
  • Other Disclosures without Your Consent. We may disclose information in response to subpoenas, warrants, or court orders, or in connection with any legal process, or to comply with relevant laws. We may also share your information in order to establish or exercise our rights, to defend against a legal claim, to investigate, prevent, or take action regarding possible illegal activities, suspected fraud, safety of person or property, or a violation of our policies, or to comply with your request for the shipment of products to or the provision of services by a third-party intermediary.
  • Public. Some of our websites may provide the opportunity to post comments, or reviews, in a public forum. If you decide to submit information on these pages, that information may be publicly available. [For example, some of our websites provide the opportunity to create gift registries. We share the information that you provide about your event (e.g., name, date, location, etc.) with the public to permit others to search for that information.
  • Partner Promotion. We may offer contests, sweepstakes, or other promotions with third party partners. If you decide to enter a contest, sweepstakes, or promotion that is sponsored by a third party partner the information that you provide will be shared with us and with them. Their use of your information is not governed by this privacy policy.
  • Service Providers. We may share your information with service providers. Among other things service providers may help us to administer our website, conduct surveys, provide technical support, process payments, and assist in the fulfillment of orders.
  • Other Disclosures with Your Consent. We may disclose your information to other third parties when we have your consent or direction to do so.

External Parties

  • This Disclosure pertains only to our own privacy practices and does not extend to third-party service providers that we do not own or control. It's important to note that certain affiliates may have different privacy statements, which complement this Policy.
  • We cannot be held accountable for the information practices of third parties, including those operating websites or services that our Services link to. Our inclusion of a link to a third-party feature does not indicate our or our affiliates' endorsement of the linked website or service. It's essential to review the applicable party's privacy policies and Terms of Service when you leave our Services or engage with a third-party feature to ensure you understand their information practices.
  • Furthermore, we cannot be responsible for the information practices of other organizations such as Facebook, Apple, Google, Microsoft, Bing, or any other app developer, app provider, social media platform provider, operating system provider, wireless service provider, or device manufacturer. This includes any Personal Information you directly disclose to other organizations or enable to be disclosed to other organizations via your device or browser preferences while using the Apps or social media pages.

This information is collected in order to process transactions, comply with laws, manage our business, or provide you with services. Note that we do not use such information for any purposes that are not identified within the California Privacy Rights Act Section 1798.121. We do not "sell" or "share" sensitive personal information for purposes of cross-context behavioral advertising.

Third-Party Websites

This site may contain links to third-party owned and/or operated websites including third-party providers with whom we work. In some cases, you may be able to make a purchase through one of these third-party websites and may be required to provide certain information, such as a credit card number, to register or complete a transaction at such website. If you visit or access one of these third-party websites, please review their online privacy and data collection practices. We are not responsible for the privacy practices or the content of such websites.

Additional Information for California Residents

In the past 12 months, we have collected and disclosed the following categories of Personal Information:

Category of Personal Information Disclosures for a Business Purpose Sharing for Cross-Context Behavioral Advertising
Identifiers – this may include real name, alias, postal address, unique personal identifier, online identifier, email address, account name, or other similar identifiers.
  • Affiliates or subsidiaries
  • Business partners
  • Data analytics providers
  • Data brokers
  • Internet service providers
  • Joint marketing partners
  • Operating systems and platforms
  • Other Service Providers
  • Payment processors and financial institutions
  • Professional services organizations, this may include auditors and law firms
  • Social networks
  • Advertising networks
Health Related Information – this may include medical information, mental or physical condition or treatment, or health insurance information.
  • Affiliates or subsidiaries
  • Business partners
  • Data analytics providers
  • Data brokers
  • Internet service providers
  • Joint marketing partners
  • Operating systems and platforms
  • Other Service Providers
  • Payment processors and financial institutions
  • Professional services organizations, this may include auditors and law firms
  • Social networks
  • Advertising networks
Characteristics of protected classifications – this may include age, sex, race, ethnicity, physical, or mental handicap, etc.
  • Affiliates or subsidiaries
  • Business partners
  • Data analytics providers
  • Data brokers
  • Internet service providers
  • Joint marketing partners
  • Operating systems and platforms
  • Other Service Providers
  • Payment processors and financial institutions
  • Professional services organizations, this may include auditors and law firms
  • Social networks
  • Advertising networks
Commercial information – this may include information about products or services purchased, obtained, or considered, or other purchasing or consuming histories or tendencies.
  • Affiliates or subsidiaries
  • Business partners
  • Data analytics providers
  • Data brokers
  • Internet service providers
  • Joint marketing partners
  • Operating systems and platforms
  • Other Service Providers
  • Payment processors and financial institutions
  • Professional services organizations, this may include auditors and law firms
  • Social networks
  • Advertising networks
Biometric information – this may include imagery of the iris, retina, fingerprint, face, hand, palm, vein patterns, and voice recordings, from which an identifier template, such as a faceprint, a minutiae template, or a voiceprint, can be extracted, and keystroke patterns or rhythms, gait patterns, or rhythms, and sleep, health, or exercise data that contain identifying information
  • Affiliates or subsidiaries
  • Business partners
  • Data analytics providers
  • Data brokers
  • Internet service providers
  • Joint marketing partners
  • Operating systems and platforms
  • Other Service Providers
  • Payment processors and financial institutions
  • Professional services organizations, this may include auditors and law firms
  • Social networks
  • Advertising networks
Internet or other electronic network activity information – this may include browsing history, search history, and information regarding an individual's interaction with an internet website, application, or advertisement.
  • Affiliates or subsidiaries
  • Business partners
  • Data analytics providers
  • Data brokers
  • Internet service providers
  • Joint marketing partners
  • Operating systems and platforms
  • Other Service Providers
  • Payment processors and financial institutions
  • Professional services organizations, this may include auditors and law firms
  • Social networks
  • Advertising networks
Geolocation data
  • Affiliates or subsidiaries
  • Business partners
  • Data analytics providers
  • Data brokers
  • Internet service providers
  • Joint marketing partners
  • Operating systems and platforms
  • Other Service Providers
  • Payment processors and financial institutions
  • Professional services organizations, this may include auditors and law firms
  • Social networks
  • Advertising networks
Audio, electronic, visual, thermal, olfactory, or similar information
  • Affiliates or subsidiaries
  • Business partners
  • Data analytics providers
  • Data brokers
  • Internet service providers
  • Joint marketing partners
  • Operating systems and platforms
  • Other Service Providers
  • Payment processors and financial institutions
  • Professional services organizations, this may include auditors and law firms
  • Social networks
  • Advertising networks
Professional or employment-related information
  • Affiliates or subsidiaries
  • Business partners
  • Data analytics providers
  • Data brokers
  • Internet service providers
  • Joint marketing partners
  • Operating systems and platforms
  • Other Service Providers
  • Payment processors and financial institutions
  • Professional services organizations, this may include auditors and law firms
  • Social networks
  • Advertising networks
Inferences drawn from any of the information listed above    
Additional categories of personal information described in the California Customer Records statute (Cal. Civ. Code § 1798.80(e)) – this may include signature, physical characteristics, or description, insurance policy number.    

California Sensitive Information Disclosure:

We collect the following categories of sensitive personal information (as defined under California law):

  1. Health information, such as current healthcare status, desired health benefits, and current plan information
  2. Information related to the physical, physiological, or behavioral characteristics of an individual, such as biometric data, such as fingerprints, facial recognition data, and other similar data that is used to identify an individual based on their unique physical characteristics.

Your Choices

Some jurisdictions allow you to make the following choices about your personal information:

  • You may request that we delete your personal information. If required by law, we will grant a request to delete information, but you should note that in many situations, we must keep your personal information to comply with our legal obligations, resolve disputes, enforce our agreements, or for another business purpose.
  • You may request that we disclose the categories and/or specific pieces of personal information collected and sold or confirmation that we have information about you. In certain circumstances, you may also request to receive access to your data in a portable, machine-readable format.
  • We rely on you to update and correct your personal information. You may ask us to correct information that is inaccurate or incomplete. Note that we may keep historical information in our backup files as permitted by law.
  • You may object to our use or disclosure of your personal information by contacting us at the address below.
  • You may direct us not to sell or share your "personal information" ("Right to Opt-Out").
  • You may cancel promotional text messages at any time by replying STOP.
  • You may opt-out or unsubscribe from receiving email and other forms of communications from us by: (a) follow the instructions included in the applicable email message or other communication; or (b) email us at: support@MedicareInsurance.com. Notwithstanding the foregoing, we may continue to contact you for the purpose of communicating information relating to your request for our services, as well as to respond to any inquiry or request you make. To opt-out of receiving these transactional response-related messages from us, you must cease requesting and/or utilizing the sites and services and/or cease submitting inquiries to Company, as applicable.

If you would like to exercise any of the above rights, you may do so by e-mailing us at support@MedicareInsurance.com or calling us at (800) 985-9449.

Upon submission, you may be asked to verify your identity. If we are able to verify your request, we will respond within 45 days of your submission (or such additional time period as the law allows us).

In some circumstances, you may designate an authorized agent to submit requests to exercise certain privacy rights on your behalf. If you are an authorized agent submitting a request on behalf of an individual, you must attach signed permission indicating that you are able to act on another person's behalf.

We do not discriminate against any individual who chooses to exercise any of the above rights. If you disagree with how we handled a request, you may appeal our decision by contacting us with the subject line "Appeal."

Protecting Your Information

We use reasonable and appropriate methods to protect your information. Please be advised, however, that no storage facility, technology, software, security protocols or data transmission over the internet or via wireless networks can be guaranteed to be 100% secure.

In compliance with applicable federal and state laws, we shall notify you and any applicable regulatory agencies in the event that we learn of an information security breach with respect to your personal information. You will be notified via email, letter, or phone call in the event of such a breach, if permitted by law.

Data Retention

We retain your personal information for only as long as necessary to fulfill the purposes outlined in this Privacy Policy, including for the purposes of satisfying any legal, accounting, or reporting requirements, unless a longer retention period is required or permitted by law. To determine the appropriate retention period for personal information, we consider the amount, nature, and sensitivity of the information, the potential risk of harm from unauthorized use or disclosure of the information, the purposes for which we obtained the information and whether we can achieve those purposes through other means, as well as applicable legal requirements.

Children

Visitors under 18 years of age are not permitted to use and/or submit their personal information to our website. We do not knowingly solicit or collect information from visitors under 18 years of age. We encourage parents and guardians to spend time online with their children and to participate and monitor the interactive activities of their children.

Updates to Our Privacy Policy

This Privacy Policy may be updated at any time and without prior notice to you to reflect changes in our personal information practices. We will indicate at the top of the policy when it was most recently updated. This policy was first effective in May 2025.

Contact Us

If you have any questions about this Privacy Policy or our privacy practices in general, or if you need to access this Privacy Policy in an offline format, you may email us as at: support@MedicareInsurance.com; or mail us at: Health Insurance Associates, LLC, 1175 Beville Road, Daytona Beach, FL 32114.

Privacy Policy | Cookie Policy | Do Not Sell or Share My Personal Information