1. Acceptance of these terms
These Terms of Use govern your use of the Private Health Plan Advisors website. By using this website or submitting a quote request, you agree to these terms. If you do not agree, please do not use the website.
2. About our service
Private Health Plan Advisors is an independent insurance agency. We help consumers compare health insurance, Medicare, dental, vision, life, and supplemental coverage, and we connect them with licensed insurance agents.
We are not an insurance company, and we are not connected with or endorsed by the U.S. government, HealthCare.gov, or the federal Medicare program. We do not offer every plan available in your area. Quotes are provided only where our agents are licensed.
3. No guarantee of quotes, coverage, or pricing
Submitting a request does not guarantee that you will receive a quote, qualify for coverage, or qualify for premium savings. Plan availability, benefits, eligibility, and pricing are set by insurance carriers and government programs, and may change at any time. Coverage begins only after an application is approved by the carrier and any required premium is paid.
4. Information on this website
Content on this website is provided for general information only. It is not legal, tax, financial, or medical advice. Enrollment dates and program rules can change, so please confirm details with a licensed agent, the carrier, HealthCare.gov, or Medicare.gov before making decisions.
5. Your information and consent to contact
When you submit a quote request, you agree to provide accurate and complete information about yourself. How we collect, use, and protect your information is described in our Privacy Policy.
If you check the consent box on our quote form, you agree that Private Health Plan Advisors and its licensed agents may contact you about insurance products by phone, text message, and email, including through automated technology or prerecorded messages. Consent is not a condition of purchase. You can opt out of text messages at any time by replying STOP, and you can ask us to stop calling you at any time.
6. Acceptable use
You agree not to:
- Submit false information or request quotes on behalf of another person without their permission
- Use the website for any unlawful purpose
- Attempt to interfere with, disrupt, or gain unauthorized access to the website or its systems
- Copy, scrape, or collect content or data from the website by automated means
7. Intellectual property
The website design, text, graphics, and logo of Private Health Plan Advisors are owned by us and may not be copied or reused without our permission. Insurance carrier names and logos are trademarks of their respective owners and are shown only to identify carriers our agents work with. Their display does not mean those carriers endorse this website.
8. Links to other websites
This website may link to websites run by others, such as insurance carriers, HealthCare.gov, or Medicare.gov. We are not responsible for the content, policies, or practices of those websites.
9. Disclaimer of warranties
This website and its content are provided “as is” and “as available,” without warranties of any kind, express or implied. We do not guarantee that the website will always be available, error-free, or secure.
10. Limitation of liability
To the fullest extent permitted by law, Private Health Plan Advisors and its agents will not be liable for any indirect, incidental, or consequential damages arising from your use of this website or reliance on its content. Nothing in these terms limits any rights you have under applicable insurance laws that cannot be waived.
11. Governing law
These terms are governed by the laws of the state in which Private Health Plan Advisors is organized, without regard to conflict of law rules, except where the law of your state of residence requires otherwise.
12. Changes to these terms
We may update these Terms of Use from time to time. When we do, we will change the effective date at the top of this page. Your continued use of the website after changes are posted means you accept the updated terms.
13. Contact us
If you have questions about these Terms of Use, contact us:
Private Health Plan Advisors
Phone: (239) 839-4835