Terms of Service

1. Acceptance of Terms

These Terms of Service ("Terms") constitute a legally binding agreement between you ("you" or "User") and [Your Legal Entity Name, LLC] doing business as Medicare at 65 ("we," "us," "our," or "Medicare at 65"). These Terms govern your access to and use of medicareat65.org(the "Website") and all services we provide (collectively, the "Services").

By using our Website or Services, you represent that you are at least 18 years of age and have the legal capacity to enter into this agreement. If you are using our Services on behalf of another person or entity, you represent that you have the authority to bind that person or entity to these Terms.

2. About Medicare at 65

2.1 Who We Are

Medicare at 65 is a privately owned, independent licensed insurance agency and brokerage operated by [Your Legal Entity Name, LLC]. We help people who are turning 65, newly eligible for Medicare, or already enrolled in Medicare compare and enroll in Medicare Advantage, Medicare Supplement (Medigap), and Medicare Part D prescription drug plans through partnerships with multiple insurance carriers.

2.2 Important Disclaimer — Not a Government Entity

2.3 Our Services

We provide the following services:

• Information and education about Medicare options
• Assistance comparing Medicare Advantage, Medicare Supplement, and Part D plans from multiple carriers
• Help determining eligibility for Extra Help, Medicare Savings Programs, and other low-income assistance
• Enrollment assistance for Medicare Advantage, Medicare Supplement, and Part D plans
• Customer support throughout the enrollment process
• Ongoing assistance with Medicare-related questions

2.4 Our Compensation

We do not charge consumers any fees for our services. We are compensated through commissions paid by insurance carriers when you enroll in a plan through our agency. This commission structure does not affect the price you pay for Medicare insurance coverage. Plan premiums are the same whether you enroll through our agency, directly with the carrier, or through Medicare.gov.

Our commission-based compensation model means we are motivated to help you find appropriate coverage. However, you should be aware that different insurance carriers may pay different commission rates, which could influence which plans we recommend or present to you. CMS rules require that we present Medicare Advantage and Part D plans without bias toward any particular carrier and that we disclose our compensation structure upon request.

3. Use of Our Website and Services

3.1 License to Use

Subject to these Terms, we grant you a limited, non-exclusive, non-transferable, revocable license to access and use our Website for your personal, non-commercial use in connection with obtaining Medicare insurance information and services.

3.2 User Eligibility

To use our Services, you must:

• Be at least 18 years of age
• Be a legal resident of the United States
• Provide accurate and complete information
• Have the legal capacity to enter into insurance contracts
• Not be prohibited from using our Services under applicable law

3.3 User Account and Security

If you create an account on our Website, you are responsible for:

• Maintaining the confidentiality of your account credentials
• All activities that occur under your account
• Notifying us immediately of any unauthorized use
• Ensuring that your account information is accurate and current

4. Information You Provide

4.1 Accuracy of Information

You agree to provide accurate, complete, and truthful information when using our Services. This includes but is not limited to:

• Personal identifying information (name, date of birth, address)
• Contact information (email, phone number)
• Medicare Part A and Part B effective dates
• Health-related information, doctors, and prescriptions
• Insurance preferences and needs

Providing inaccurate or incomplete information may result in:

• Inability to obtain accurate Medicare plan quotes
• Denial of coverage or claims
• Incorrect Extra Help or Medicare Savings Program eligibility determinations
• Legal consequences for insurance fraud

4.2 Updates to Information

You agree to promptly notify us if any information you have provided changes or becomes inaccurate. Material changes to your circumstances (such as Medicare enrollment status, address, or income for Extra Help purposes) may affect your eligibility and plan options.

4.3 Verification

We may verify information you provide through third-party sources and databases. You authorize us to obtain such verification and to share information with Medicare insurance carriers and other relevant parties as necessary to provide our Services.

5. Enrollment Process and Insurance Coverage

5.1 Quotes and Estimates

Any Medicare plan quotes or premium estimates provided through our Website or Services are estimates only and are not binding offers of coverage. Actual premiums, coverage terms, and eligibility will be determined by the insurance carrier based on complete and verified information.

Quotes are subject to change based on:

• Changes in your circumstances or information provided
• Insurance carrier underwriting decisions (particularly for Medicare Supplement plans outside of guaranteed-issue periods)
• Changes in available plans or carrier offerings
• CMS updates to Medicare premium and cost-sharing amounts
• Verification of information

5.2 No Guarantee of Coverage

We do not guarantee that you will qualify for any specific Medicare plan or premium rate. Insurance carriers make final determinations regarding coverage eligibility, underwriting, and pricing.

5.3 Enrollment Assistance

We assist with the enrollment process but do not control insurance carrier systems, CMS, or Social Security operations, or final enrollment decisions. Enrollment is not complete until you receive confirmation directly from the insurance carrier and, where applicable, CMS.

5.4 Medicare Enrollment Periods

Medicare enrollment is generally limited to specific windows set by federal regulation, including:

• Initial Enrollment Period (IEP), the 7-month window around your 65th birthday
• Annual Enrollment Period (AEP), October 15 through December 7 each year
• Medicare Advantage Open Enrollment Period (OEP), January 1 through March 31 each year
• General Enrollment Period (GEP), January 1 through March 31 each year
• Special Enrollment Periods triggered by qualifying life events
• Medigap Open Enrollment Period, a 6-month window starting when you are both 65 and enrolled in Part B

We will provide information about enrollment periods, but you are responsible for understanding and meeting applicable deadlines. Missing enrollment deadlines may result in gaps in coverage or permanent late-enrollment penalties (particularly for Part B and Part D).

5.5 Your Responsibilities After Enrollment

After enrolling in coverage, you are responsible for:

• Paying premiums directly to the insurance carrier or Medicare
• Understanding your coverage, benefits, networks, and formularies
• Following carrier procedures for using benefits and filing claims
• Reporting changes in circumstances to the carrier and CMS
• Reviewing your Annual Notice of Change (ANOC) each year

6. Disclaimers and Limitations

6.1 No Legal, Financial, or Medical Advice

Our Services provide Medicare insurance information and enrollment assistance only. We do not provide:

• Legal advice regarding Medicare or insurance matters
• Financial planning, retirement, or tax advice (including IRMAA appeals)
• Medical advice or healthcare recommendations
• Guarantees regarding Extra Help eligibility or government program enrollment

You should consult with appropriate licensed professionals (attorneys, accountants, financial advisors, physicians) for advice specific to your situation.

6.2 Information Accuracy and Changes

While we strive to provide accurate and current information about Medicare plans, carriers, and regulations:

• Medicare plan details, availability, and pricing change every year
• CMS regulations and Medicare cost-sharing amounts change annually
• Information on our Website may not reflect the most current updates from CMS
• We are not responsible for errors or omissions in information provided by insurance carriers, CMS, or other government sources

6.3 Third-Party Content and Links

Our Website may contain links to third-party websites, including insurance carrier sites, Medicare.gov, and other government resources. We are not responsible for the content, accuracy, or practices of third-party websites. Links do not constitute endorsement of third-party sites or their content.

6.4 Website Availability

We do not guarantee that our Website will be available at all times or free from errors, viruses, or other harmful components. We may suspend or restrict access to our Website at any time for maintenance, updates, or other reasons.

7. Limitation of Liability

8. Indemnification

You agree to indemnify, defend, and hold harmless Medicare at 65, [Your Legal Entity Name, LLC], and our officers, directors, employees, agents, and partners from and against any claims, liabilities, damages, losses, costs, or expenses (including reasonable attorneys' fees) arising from or related to:

• Your use of our Website or Services
• Your violation of these Terms
• Your provision of inaccurate or fraudulent information
• Your violation of any rights of third parties
• Your violation of applicable laws or regulations
• Insurance fraud or misrepresentation

9. Intellectual Property Rights

9.1 Our Intellectual Property

All content on our Website, including text, graphics, logos, images, software, and design elements, is the property of Medicare at 65 or our licensors and is protected by copyright, trademark, and other intellectual property laws.

You may not:

• Copy, reproduce, or distribute Website content without permission
• Modify, create derivative works from, or reverse engineer any aspect of our Website
• Remove or alter any copyright, trademark, or proprietary notices
• Use our trademarks, logos, or branding without written permission

10. User Conduct and Prohibited Activities

You agree NOT to:

• Provide false, misleading, or fraudulent information
• Impersonate any person or entity or misrepresent your affiliation
• Use our Services for any illegal purpose or to violate any laws
• Attempt to gain unauthorized access to our systems or networks
• Interfere with or disrupt the operation of our Website or Services
• Introduce viruses, malware, or other harmful code
• Engage in automated data collection (scraping, bots, etc.) without permission
• Use our Services to spam, harass, or send unsolicited communications
• Violate the privacy rights of others
• Engage in insurance fraud or material misrepresentation

We reserve the right to investigate violations and cooperate with law enforcement and CMS authorities regarding illegal activities.

11. Termination

11.1 Termination by You

You may stop using our Services at any time. If you wish to terminate your account or request deletion of your information, please contact us at info@medicareat65.org.

11.2 Termination by Us

We reserve the right to suspend or terminate your access to our Website or Services at any time, with or without notice, for any reason, including violation of these Terms, fraudulent activity, or request by law enforcement.

11.3 Effect of Termination

Termination does not affect Medicare coverage you have already enrolled in through our Services, and does not affect our or your record-retention obligations under CMS rules.

12. Privacy and Data Protection

Your privacy is important to us. Our collection, use, and protection of your personal information is governed by our Privacy Policy, which is incorporated into these Terms by reference. By using our Services, you also agree to our Privacy Policy.

13. Electronic Communications and Consent

By using our Services, you consent to receive electronic communications from us, including:

• Emails regarding your Medicare insurance inquiries and enrollment
• Text messages (SMS) if you provide your mobile number
• Automated or pre-recorded telephone calls (with your prior consent where required by TCPA)
• Notifications and updates about your account or our Services

CMS regulations require that calls related to Medicare Advantage and Part D sales be recorded and retained. By continuing a recorded call after notification, you consent to the recording.

You may opt out of marketing communications at any time by following the unsubscribe instructions in our emails, replying STOP to any text message, or contacting us. Standard message and data rates may apply.

14. Dispute Resolution

14.1 Informal Resolution

If you have any dispute with Medicare at 65, you agree to first contact us at info@medicareat65.org to attempt to resolve the dispute informally. We will work in good faith to resolve disputes amicably.

14.2 Governing Law

These Terms shall be governed by and construed in accordance with the laws of the state where [Your Legal Entity Name, LLC] is registered, without regard to its conflict of law provisions.

14.3 Class Action Waiver

TO THE EXTENT PERMITTED BY LAW, YOU AGREE THAT ANY DISPUTE RESOLUTION PROCEEDING WILL BE CONDUCTED ONLY ON AN INDIVIDUAL BASIS AND NOT IN A CLASS, CONSOLIDATED, OR REPRESENTATIVE ACTION.

14.4 Time Limitation

You agree that any claim or cause of action arising from or related to these Terms or our Services must be filed within one (1) year after the claim or cause of action arose, or it will be permanently barred.

15. Changes to Terms of Service

We reserve the right to modify these Terms at any time. We will update the "Last Updated" date and post revised Terms on our Website. For material changes that significantly affect your rights or obligations, we will provide advance notice and may require your affirmative acceptance.

Your continued use of our Website or Services after changes constitutes your acceptance of the revised Terms.

16. General Provisions

16.1 Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and Medicare at 65 regarding our Services and supersede all prior agreements and understandings.

16.2 Severability

If any provision of these Terms is found invalid or unenforceable, the remaining provisions shall remain in full force and effect.

16.3 No Agency Relationship

Nothing in these Terms creates a partnership, joint venture, agency, or employment relationship between you and Medicare at 65.

16.4 Notices

All notices to Medicare at 65 must be sent to: info@medicareat65.org. We will send notices to you at the email address you provide to us.

16.5 Accessibility

We strive to make our Website accessible to individuals with disabilities. See our Accessibility Statement. If you have difficulty accessing any aspect of our Website or Services, please contact us at info@medicareat65.org.

17. Insurance-Specific Provisions

17.1 State Licensing

Medicare at 65operates as a licensed insurance agency and maintains required licenses in the states where we conduct business. You may verify our licensing status by contacting your state's Department of Insurance.

17.2 Carrier Relationships

We work with multiple Medicare insurance carriers but do not represent every carrier or every plan available in your area. The plans we present may be influenced by:

• Carrier appointments and certifications
• Commission arrangements
• Product availability and carrier capacity in your county
• Your specific needs and preferences

17.3 No Fiduciary Duty

While we strive to help you find appropriate Medicare coverage, we are not acting as your fiduciary. We are compensated by insurance carriers, which may create potential conflicts of interest. You should carefully review all plan information and make your own informed decision.

17.4 Regulatory Compliance

We comply with all applicable federal and state insurance regulations, including:

• State insurance licensing and continuing-education requirements
• CMS Third-Party Marketing Organization (TPMO) rules, including required disclaimers and call recording for Medicare Advantage and Part D sales
• Annual AHIP or NABIP certification for Medicare Advantage and Part D sales
• Health Insurance Portability and Accountability Act (HIPAA)
• Telephone Consumer Protection Act (TCPA)
• State-specific Medicare consumer protection laws

17.5 Complaints and Regulatory Contact

If you have a complaint about our Services that we cannot resolve, you may contact:

• Your state Department of Insurance
• The Centers for Medicare & Medicaid Services (CMS), 1-800-MEDICARE
• Your local State Health Insurance Assistance Program (SHIP)

18. Contact Information

For questions about these Terms of Service, our Services, or to exercise your rights, please contact us: