Terms & Conditions

1. Acceptance of Terms

By accessing and using the MedicareRick website and services, you accept and agree to be bound by these Terms and Conditions. If you do not agree to these terms, please do not use our services. These terms apply to all visitors, users, and others who access or use our services.

2. Services Description

MedicareRick provides Medicare insurance advisory and enrollment services. Our services include:

• Information and guidance on Medicare Advantage plans, Medigap policies, and Part D prescription drug coverage
• Assistance with Medicare enrollment during Initial Enrollment, Annual Enrollment, and Special Enrollment Periods
• Plan comparison tools and personalized recommendations based on individual healthcare needs
• Ongoing support and customer service for enrolled members
• Educational resources about Medicare options and healthcare benefits

3. User Eligibility

To use our services, you must:

• Be at least 18 years of age or the age of majority in your jurisdiction
• Be a resident of the United States
• Provide accurate, current, and complete information during the enrollment process
• Maintain and promptly update your information to keep it accurate and complete
• Have the legal authority to enter into these terms and conditions

4. User Responsibilities

When using our services, you agree to:

• Provide truthful and accurate information about your health status, current coverage, and personal circumstances
• Review all plan materials and disclosures before enrolling in any Medicare plan
• Understand that MedicareRick is not a healthcare provider and does not provide medical advice
• Make enrollment decisions based on your own assessment of your healthcare needs
• Report any changes in your circumstances that may affect your Medicare coverage
• Comply with all applicable federal and state laws regarding Medicare enrollment

5. Advisory Services

Our advisors are licensed insurance agents who provide information and guidance on Medicare plans. However:

• We do not provide medical, legal, or financial advice
• Plan recommendations are based on the information you provide and may not account for all factors
• Final enrollment decisions are solely your responsibility
• We cannot guarantee acceptance into any specific plan
• Plan availability, benefits, and costs are subject to change by insurance carriers

6. Enrollment and Plan Changes

When enrolling in a Medicare plan through our services:

• You authorize us to submit enrollment applications on your behalf to insurance carriers
• Enrollment is subject to approval by the insurance carrier
• You understand that enrollment periods and deadlines are established by Medicare regulations
• Coverage effective dates are determined by Medicare rules and insurance carrier policies
• You agree to receive enrollment confirmation and plan materials from the insurance carrier

7. Fees and Compensation

MedicareRick's services are provided at no cost to consumers. We receive compensation from insurance carriers for enrollments. This compensation does not affect your plan premiums or benefits. Our advisors are incentivized to provide objective recommendations based on your needs, not on commission differences between plans.

8. Intellectual Property

All content on the MedicareRick website, including text, graphics, logos, images, and software, is the property of MedicareRick or its licensors and is protected by copyright and trademark laws. You may not reproduce, distribute, modify, or create derivative works from any content without our express written permission.

9. Privacy and Data Protection

Your privacy is important to us. Please review our Privacy Policy to understand how we collect, use, and protect your personal information. By using our services, you consent to our privacy practices as described in the Privacy Policy.

10. Limitation of Liability

To the fullest extent permitted by law:

• MedicareRick is not liable for any indirect, incidental, special, or consequential damages
• We are not responsible for errors or omissions in plan information provided by insurance carriers
• We do not guarantee the accuracy of third-party information or websites
• Our total liability shall not exceed the amount of compensation we received related to your enrollment

11. Disclaimer of Warranties

Our services are provided "as is" and "as available" without warranties of any kind, either express or implied. We do not warrant that our services will be uninterrupted, error-free, or free from viruses or other harmful components. We disclaim all warranties, including implied warranties of merchantability and fitness for a particular purpose.

12. Indemnification

You agree to indemnify and hold harmless MedicareRick, its officers, directors, employees, and agents from any claims, damages, losses, liabilities, and expenses arising from your use of our services, your violation of these terms, or your violation of any rights of another party.

13. Modifications to Terms

We reserve the right to modify these Terms and Conditions at any time. Changes will be effective immediately upon posting to our website. Your continued use of our services after changes are posted constitutes your acceptance of the modified terms. We encourage you to review these terms periodically.

14. Termination

We reserve the right to terminate or suspend your access to our services at any time, without notice, for conduct that we believe violates these terms or is harmful to other users, us, or third parties, or for any other reason at our sole discretion.

15. Governing Law

These Terms and Conditions are governed by the laws of the State of Georgia, United States, without regard to its conflict of law provisions. You agree to submit to the personal jurisdiction of the courts located in Georgia for any disputes arising from these terms.

16. Dispute Resolution

Any dispute arising from these terms shall first be resolved through good faith negotiations. If negotiations fail, the dispute shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association. You waive any right to participate in a class action lawsuit or class-wide arbitration.

17. Severability

If any provision of these Terms and Conditions is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary so that these terms shall otherwise remain in full force and effect.

18. Contact Information

If you have questions about these Terms and Conditions, please contact us:

• Email: [email protected]
• Phone: +1 (470) 200-1988
• Address: 1775 Parker Road, Conyers GA 30094

By using MedicareRick's services, you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions.