Disclaimer

No Insurance Advice

The information provided on this website is for general informational and educational purposes only. It is not intended to be, and should not be interpreted as, insurance advice, coverage recommendations, or financial advice.

Always consult with licensed insurance agents or insurance carriers for insurance advice, coverage details, or policy recommendations. Never make insurance decisions based solely on information from this website.

No Insurance Services

HealthCoverage365 does not provide insurance policies, coverage, or insurance products. We are an enrollment assistance service that helps families navigate Open Enrollment and Special Enrollment Periods and connect with licensed insurance carriers.

All insurance coverage mentioned or referenced on this website is provided by independent, licensed insurance carriers who are not employees or agents of HealthCoverage365.

Insurance Carrier Independence

All insurance carriers and plans listed or recommended through our service are independent insurance providers. HealthCoverage365 does not:

• Own, operate, or manage insurance companies
• Control coverage decisions, policy terms, or claims processing
• Guarantee coverage approval or policy acceptance
• Provide insurance recommendations or endorse specific plans

Third-Party Insurance Services

When we help you enroll in insurance plans, you are entering into a direct relationship with that insurance carrier. HealthCoverage365 is not responsible for:

• The quality, coverage, or terms of insurance policies
• Carrier licensing, credentials, or financial stability
• Coverage denials, claims processing, or billing disputes
• Policy changes, premium increases, or coverage cancellations
• Any damages or losses resulting from insurance coverage gaps
• Carrier practices or decisions regarding claims or coverage

Limitation of Liability

HealthCoverage365's liability is limited to the maximum extent permitted by law. We are not liable for any direct, indirect, incidental, consequential, or punitive damages arising from:

• Use of our website or services
• Information provided on our website
• Enrollment assistance or referrals to insurance carriers
• Insurance coverage or services provided by third parties

User Responsibility

By using our services, you acknowledge and agree that:

• You are responsible for verifying insurance carrier credentials and licensing
• You should review all policy terms and coverage details before enrolling
• You understand we do not provide insurance policies or coverage
• You will not hold HealthCoverage365 responsible for coverage outcomes

Not Government Affiliated

Compensation Disclosure

HealthCoverage365 may receive compensation from enrollment specialists or insurance carriers when successful enrollments are completed. This compensation arrangement:

• Does not increase the cost of your insurance coverage
• Does not affect the premiums, deductibles, or coverage terms of any insurance plan
• Is standard practice in the insurance industry
• Allows us to provide free enrollment assistance to families
• Does not influence which enrollment specialists we connect you with

You are never charged by HealthCoverage365 for our enrollment assistance services. All costs for insurance coverage are paid directly to your chosen insurance carrier.

No Guarantee of Coverage

HealthCoverage365 does not guarantee:

• That you will qualify for a Special Enrollment Period
• That you will be approved for health insurance coverage
• That you will receive specific coverage terms or rates
• That coverage will begin by a specific date
• That you will receive subsidies or financial assistance
• That your preferred doctors or hospitals will be in-network

Enrollment eligibility, coverage approval, premium rates, and coverage terms are determined solely by insurance carriers based on your individual circumstances, health status, and other factors.

Questions or Concerns?

If you have questions about this disclaimer or need clarification about our services, please contact us: