Terms of Use for MedicalInsurance.org

TERMS OF USE UPDATED 04-11-2017

Welcome Thank you for visiting MedialInsurance.org. Our mission is to help you find a short-term health insurance plan that will meet your needs and fit your budget. We provide the tools to help you find your best plan, make smart decisions regarding your health insurance, and save money.

Your Agreement With Us
By using our website, you are agreeing to these Terms of Use. You will not use our website for any purpose that is unlawful or in violation of these Terms of Use. You also agree to our Privacy Policy, which covers how we handle your personal information. From time to time, we may update these Terms of Use. When we do, we will post the date on this page. By continuing to use our site, you are agreeing to the updated Terms of Use.

Who We Are
Health Solutions One is an independent national insurance broker. Our goal is to help our clients save time and money by shopping for the best value products at the best price. In offering this website, Health Solutions One is required to comply with all applicable federal laws, including the standards established under 45 CFR 155.220(c) and (d) and standards established under 45 CFR 155.260 to protect the privacy and security of personally identifiable information.

What We Do
We provide the tools so that you can search, compare, find and apply for short term health insurance products. Think of us as a marketplace for you to use. If you find a plan on our site and decide to submit an application, we send your completed application to the entity processing your membership, which may be the carrier or its administrator. Be sure to read the privacy and terms of use policy for the entity processing your policy membership. We are not an insurance carrier, so we don't underwrite your insurance and we don't process or manage insurance claims. The insurance carrier handles those services.

We Know Short Term Health Insurance
We believe that health insurance is not a one size fits all market. Life is full of unexpected changes and transitions. You may need insurance to cover a short-term gap, help you through a period of unemployment, or have found that Obamacare is unavailable, out of reach, or not the right solution for you. With the current state of health insurance constantly changing Short term health insurance serves as a flexible and affordable option. It is major medical insurance that will protect you in case of accident or illness and you can apply for it at any time. That's why we are proud to offer short term health insurance. You can learn more here.

Dental Products
We offer Dental insurance through well-respected carriers like Nationwide. Our dental plans do not require underwriting, which means you are guaranteed approval. When considering health insurance, know your health and what you need. If you're concerned that your major medical does not provide adequate coverage for critical illness, or if you need dental care, then our ancillary products can fill in those gaps.

Existing Insurance Coverage
If you've found a health insurance plan through us, we are happy that we were able to help. However, be Insurance Wise. DO NOT CANCEL ANY EXISTING INSURANCE UNTIL YOU RECEIVE WRITTEN CONFIRMATION FROM THE INSURANCE COMPANY TO WHICH YOU ARE APPLYING THAT YOUR NEW POLICY IS IN EFFECT.

Content Ownership
We own our website, information concerning us, and our services. This includes, without limitation, text, images, software, graphics, button icons, audio and video clips, digital downloads, data compilations, logos and information that appear on our website or are part of our services. We also own all copyrights, trademarks, service marks, and trade names related to us. We may present information on behalf of or licensed from a third party. This third-party information is proprietary to its owners. We welcome any of your questions, comments and feedback. Please remember that if you submit content to us, then you are legally representing that you have the right to do so. If you do not have permission, do not share information that is confidential or proprietary. By sending us your comments, you are granting us ownership to those materials, even if they include ideas to improve our site. We can share those ideas without your consent, we do not have to pay you for them, and we may already be considering them. If you prefer to retain your rights, please do not submit your material. If you believe the content on our site violates your copyright, please let us know by following the Copyright Procedure.

How to Use Our Website
We encourage you to use our site--learn, explore, search, compare, select and apply for health insurance products. Your use, however, must be for personal, non-commercial purposes. Our site is intended for individuals to compare and shop for themselves and their families only. You must also be at least 18 years old or legally emancipated with the ability to enter into contracts. And, since our website is intended for a U.S. audience, if you're visiting our site from another country, keep in mind that you will have to comply not just with U.S. law, but the laws of that country. The information that you provide to us must be accurate and up-to-date. Do not use our website to make false or fraudulent applications or purchases. We prohibit the use of programs to frame our site or impede our site operations. This includes technology like "deep-links," "page-scrapers," "bots," and "spiders." In addition, you are responsible for keeping your login information and account information secret. Be Internet Smart! And notify us immediately if you believe your account or information has been compromised.

Third Party Links
Sometimes our site includes links to third party websites or pages. While we hope that these sites are informative, we do not control their content. Including these links on our site is not a sign that we endorse or approve them.

Termination
Either of us can end this Agreement at any time. We may terminate your access to our site and services for any reason without prior notice. You can terminate by unsubscribing to our emails, and stopping your use of our site. We will respect your request. If you have a pending health insurance application, however, we may be legally obligated to keep you updated on its status. Also, any provisions of these Terms of Use that would logically apply after termination, such as (but not limited to) Content Ownership and Disputes, will survive.

Disputes
You are our number one priority and we hope that we become your go to health insurance site. If a dispute does arise, however, then we each agree that the laws of the State of Georgia, U.S.A., excluding its conflict of laws rules, will govern. If the dispute is not eligible for the JAMS Alternative Dispute Resolution process, then we each agree that the claims can only be litigated in the federal or state courts of Fulton County, Georgia and we each agree to these courts' personal jurisdiction.

Disclaimer of Warranty and Limitation of Liability
The law requires that we set out our disclaimer of warranty and limitation of liability in all caps. This section may be long and look boring, but it's important. Please read it. YOU EXPRESSLY AGREE THAT USE OF OUR SITE IS AT YOUR SOLE RISK. THE MATERIAL PROVIDED ON THE SITE IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS. TO THE FULLEST EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING WITHOUT LIMITATION, WARRANTIES OF TITLE, NONINFRINGEMENT, OR IMPLIED WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE WITH RESPECT TO THE WEBSITE, ANY USE OF THE WEBSITE AND ANY WEBSITE TO WHICH THE WEBSITE IS LINKED. WE WILL NOT BE LIABLE FOR ANY DAMAGES OF ANY KIND ARISING FROM THE USE OF THIS SITE, INCLUDING, BUT NOT LIMITED TO DIRECT, INDIRECT, INCIDENTAL, PUNITIVE, AND CONSEQUENTIAL DAMAGES, EVEN IF WE ARE MADE AWARE OF THE POSSIBILITY OF SUCH DAMAGES. WE DO NOT WARRANT THAT THE MATERIAL ON THE WEBSITE IS COMPLETE OR ACCURATE, THAT USE OF THIS WEBSITE WILL BE UNINTERRUPTED OR ERROR FREE, OR THAT THIS WEBSITE OR SERVER OR ANY MATERIAL ON THIS WEBSITE IS FREE OF DISABLING DEVICES. CERTAIN STATE LAWS DO NOT ALLOW LIMITATIONS ON IMPLIED WARRANTIES OR THE EXCLUSION OR LIMITATION OF CERTAIN DAMAGES. IF THESE LAWS APPLY TO YOU, SOME OR ALL OF THE ABOVE DISCLAIMERS, EXCLUSIONS, OR LIMITATIONS MAY NOT APPLY TO YOU, AND YOU MIGHT HAVE ADDITIONAL RIGHTS.

Legal Jurisdictions Only
The sale of insurance products is governed by laws that differ from state to state. The products and services on our site are intended only for those persons in states and jurisdictions where these products and services may be legally sold. Nothing on our site shall be considered a solicitation to buy or an offer to sell any products or services to any person in any jurisdiction where such an offer, solicitation, purchase or sale would be unlawful.

Access
By using MedicalInsurance.org, you warrant that you are at least 18 years of age and possess the legal authority to use MedicalInsurance.org.

Licenses
The MedicalInsurance.org website is made available to you by licensed agent(s)/broker(s) in each respective state which requires insurance transactions to be conducted through a licensed agent/broker.

You can review our licenses here: display link to licenses here.