Terms and Conditions For Using Our Website and Services

01 Agreement to these terms

These Terms and Conditions ("Terms") are an agreement between you and Advisor Health Benefits Group, LLC ("Advisor Health Benefits Group," "we," "us" or "our"). By using advisorhealthbenefits.com (the "Site") or contacting us through it, you agree to these Terms and to our Privacy Policy. If you do not agree, please do not use the Site.

If you become a client, the applications, plan documents and any written agreements for your coverage also apply. If those documents conflict with these Terms, they control for your coverage.

02 Our role as an independent insurance broker

We are an independent insurance agency licensed by the State of Washington. We help individuals, families, Medicare beneficiaries and small businesses compare and enroll in health, Medicare, dental and vision coverage offered by insurance companies and government programs.

• We are not an insurance company. Insurance companies decide eligibility, underwriting, premiums, benefits, networks and claims, not us.
• We may not represent every company or plan. The plans we can offer depend on the insurance companies we are appointed with in your area. You can ask us which companies we represent.
• We do not provide legal, tax, financial or medical advice. For those questions, talk with an attorney, tax professional, financial advisor or your doctor.

You can confirm our licenses with the Washington Office of the Insurance Commissioner license lookup. Learn more about Kevin Husted and the coverage we help with.

03 Medicare, Healthplanfinder and government programs

Advisor Health Benefits Group is a private, independent insurance agency. We are not connected with or endorsed by the U.S. government, the Centers for Medicare & Medicaid Services (CMS), the federal Medicare program, Washington Healthplanfinder, the Washington State Health Care Authority or any other government agency.

You can always get free, unbiased information from Medicare.gov or 1-800-MEDICARE (1-800-633-4227), from Washington's SHIBA program at 1-800-562-6900, and from Washington Healthplanfinder at 1-855-923-4633.

Learn how we help with Medicare in Washington, individual and family plans and Apple Health changes.

04 How we are paid

There is no fee to work with us. Insurance companies pay us a commission when you enroll in a plan we help you with. As HealthCare.gov notes, you won't pay anything additional if you enroll with an agent or broker. Commission amounts can differ between companies and plans; you may ask us about our compensation at any time.

05 Information on this site is general

Articles, FAQs, costs, dates and other content on the Site are for general education about Washington health coverage and Medicare. We work to keep it accurate and cite official sources, but:

• Premiums, benefits, networks, drug lists, enrollment periods and program rules change, often every year.
• Information may not reflect the most recent changes or apply to your situation.
• Plan availability and costs depend on where you live, your age, health and income, and other factors.

Always confirm details with the plan's official documents, such as the Summary of Benefits and Evidence of Coverage, or with official sources like Medicare.gov and Washington Healthplanfinder, before you make a decision. Our FAQ page lists the sources we rely on.

06 No coverage until approved

Using the Site, sending our contact form, calling or emailing us does not apply for, bind, change or cancel any insurance coverage. Coverage begins only when an insurance company or government program accepts your application and confirms your effective date. Do not cancel existing coverage until your new coverage is confirmed.

07 Your responsibilities

When you work with us, you agree to:

• Give complete and accurate information. Applications with incorrect information can be denied, changed or cancelled by the insurer or program.
• Review your application, plan documents and notices, and tell us or the insurer about errors promptly.
• Pay your premiums directly to the insurance company or program on time.
• Keep us and the insurer informed of changes such as a move, new income or new coverage that may affect eligibility.

08 Calls, texts and email

By sending our contact form or giving us your phone number or email, you agree that Advisor Health Benefits Group may contact you by phone or email about your request and your coverage. We send text messages only if you separately agree to receive them. Consent to be contacted is not a condition of buying any product. We call only between 8 a.m. and 8 p.m. your local time and honor do-not-call requests. You can opt out at any time by telling us, replying STOP to a text or contacting us at (509) 524-9611. Message and data rates may apply. See our Privacy Policy for details.

09 Acceptable use of the site

You agree not to:

• Use the Site for anything unlawful or fraudulent, or submit information about another person without their permission.
• Send spam, malware or automated requests, or try to get around our spam protection.
• Copy, scrape or reproduce Site content for commercial use without our written permission.
• Interfere with the Site's security or operation.

10 Intellectual property

The Site's text, design, graphics, photos and logos belong to Advisor Health Benefits Group or our licensors and are protected by copyright and trademark law. You may view and print pages for your personal, non-commercial use. Insurance company and government names and logos belong to their owners, and their use does not mean they endorse us.

11 Third-party links, tools and reviews

The Site links to and uses services from others, including Medicare.gov, Washington Healthplanfinder, insurance companies, Google Maps and review platforms. We are not responsible for their content, accuracy or privacy practices. Reviews and testimonials reflect individual experiences and do not guarantee a similar result for you.

14 Indemnification

You agree to indemnify and hold harmless Advisor Health Benefits Group and its owners, employees and agents from claims, losses and expenses, including reasonable attorneys' fees, arising from your misuse of the Site, your violation of these Terms or information you knowingly provided that was false.

15 Governing law and disputes

These Terms are governed by the laws of the State of Washington, without regard to conflict-of-law rules. If a concern comes up, please contact us first so we can try to resolve it informally. Any lawsuit about these Terms or the Site must be brought in the state or federal courts located in Benton County, Washington, and you and we consent to their jurisdiction.

You also have the right to contact the Washington Office of the Insurance Commissioner at 1-800-562-6900 with any concern about an insurance agent or company.

16 Accessibility

We want everyone to be able to use this Site. If you have trouble reading or using any page, call (509) 524-9611 or email Kevin@AdvisorHealthBenefits.com, and we will provide the information in another way.

17 Changes and other terms

We may update these Terms from time to time. The "Last updated" date shows the latest version, and changes apply when posted. If any part of these Terms is found unenforceable, the rest remains in effect. Our failure to enforce a provision is not a waiver. These Terms, together with our Privacy Policy, are the entire agreement about your use of the Site.

18 Contact us

Questions about these Terms can go to Kevin Husted at (509) 524-9611, Kevin@AdvisorHealthBenefits.com or Advisor Health Benefits Group, LLC, 1446 Spaulding Ave, Suite 302, Richland, WA 99352. You can also use our contact page.