1. Acceptance of Terms
By accessing or using the Senior Choice Insurance Group website (the "Site"), you agree to be bound by these Terms of Use ("Terms"). If you do not agree to these Terms, please do not use this Site. These Terms apply to all visitors, users, and others who access or use the Site.
2. Who We Are
Senior Choice Insurance Group is an independent licensed insurance agency operating in South Florida. We help Medicare-eligible individuals and families evaluate and enroll in health insurance plans, including Medicare Advantage, Medicare Supplement (Medigap), Part D Prescription Drug Plans, Dental Plans, and ACA Health Insurance plans. We are not affiliated with or endorsed by the U.S. government or the federal Medicare program.
3. Informational Purpose Only
The content on this Site is provided for general informational purposes only. Nothing on this Site constitutes legal, financial, or medical advice. All insurance information is general in nature and may not reflect the specific plans, premiums, benefits, or eligibility rules applicable to your individual situation.
Plan availability, premiums, benefits, networks, and formularies vary by location, carrier, and plan year and are subject to change. You should not rely solely on the information presented on this Site when making healthcare coverage decisions. We strongly encourage you to speak with a licensed agent and to review official plan documents before enrolling in any plan.
For comprehensive information about all Medicare options available to you, visit Medicare.gov or call 1-800-MEDICARE (1-800-633-4227), available 24 hours a day, 7 days a week.
4. Not a Government Website
This Site is operated by Senior Choice Insurance Group, a private independent insurance agency. It is not operated by or affiliated with the U.S. Department of Health and Human Services, the Centers for Medicare & Medicaid Services (CMS), or any other government agency. References to "Medicare," "Medicaid," or the "Affordable Care Act" are used solely to describe the types of plans we assist clients with.
5. Plan Availability
We do not offer every plan available in your area. Any information we provide is limited to the plans we are authorized to offer in your area. Please contact Medicare.gov or 1-800-MEDICARE (1-800-633-4227) for information on all of your options.
6. No Guarantee of Results
While our licensed agents work diligently to identify suitable coverage options for each client, we make no guarantee that any particular plan, premium, benefit, or outcome will be available to you. Individual results depend on your specific health needs, plan availability in your area, carrier participation, and other factors beyond our control. Client experiences and testimonials shared on this Site reflect individual results that may not be typical.
7. Intellectual Property
All content on this Site, including text, graphics, logos, images, and software, is the property of Senior Choice Insurance Group or its content suppliers and is protected by applicable copyright and trademark laws. You may not reproduce, distribute, modify, or create derivative works of any content without our prior written permission.
Third-party carrier names and trademarks (including Aetna, Humana, UnitedHealthcare, Cigna, and Blue Cross Blue Shield) are the property of their respective owners and are used solely to identify the companies whose products may be offered through our agency. Use of these names does not imply endorsement by those carriers.
8. User Conduct
You agree not to use this Site to:
- Submit false, misleading, or fraudulent information
- Violate any applicable local, state, federal, or international law or regulation
- Attempt to gain unauthorized access to our systems or data
- Transmit any harmful, offensive, or disruptive content
- Scrape, harvest, or collect information from this Site using automated means
9. Limitation of Liability
To the fullest extent permitted by applicable law, Senior Choice Insurance Group, its agents, officers, and employees shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or related to your use of this Site or the information contained herein, even if we have been advised of the possibility of such damages.
Our total liability to you for any claim arising from the use of this Site shall not exceed one hundred dollars ($100.00).
10. Disclaimer of Warranties
This Site and its content are provided on an "as is" and "as available" basis without any warranties of any kind, express or implied, including warranties of merchantability, fitness for a particular purpose, or non-infringement. We do not warrant that the Site will be uninterrupted, error-free, or free of viruses or other harmful components.
11. Third-Party Links
This Site may contain links to third-party websites, including Medicare.gov, carrier websites, and other resources. These links are provided for your convenience only. We do not control those sites and are not responsible for their content, privacy practices, or availability. Linking to a third-party site does not imply our endorsement of that site.
12. Privacy
Your use of this Site is also governed by our Privacy Policy, which is incorporated into these Terms by reference. By using this Site, you consent to the data practices described in our Privacy Policy.
13. Governing Law and Dispute Resolution
These Terms shall be governed by and construed in accordance with the laws of the State of Florida, without regard to its conflict of law provisions. Any disputes arising under these Terms shall be resolved exclusively in the state or federal courts located in Miami-Dade County, Florida, and you hereby consent to the personal jurisdiction of such courts.
14. Changes to These Terms
We reserve the right to modify these Terms at any time. Changes will be effective immediately upon posting to the Site. Your continued use of the Site after any changes constitutes your acceptance of the revised Terms. We encourage you to review these Terms periodically.
15. Contact Us
If you have questions about these Terms of Use, please contact us:
- Email: contact@senior-choice.com
- Phone: (800) 361-9186
- Hours: Monday – Saturday, 8:00 AM – 8:00 PM