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Terms of Use

Last updated: August 11, 2026

Informational purpose

All content on this website is provided for general information and is not a solicitation of any specific insurance product. Medicare and insurance rules change every year and individual circumstances vary.

Not professional advice

Nothing on this site is legal, tax, or financial advice. Consult a licensed professional before making important decisions.

No government affiliation

This website is operated by an independent licensed insurance agent and is not connected with the United States government or the federal Medicare program. For official information visit Medicare.gov or call 1-800-MEDICARE.

Limitation of liability

We work to keep information accurate but do not guarantee its completeness or currency. Decisions made based on this site are your responsibility.

Governing law

These terms are governed by the laws of the State of California.