Terms of Service

What we do, and what we do not do

iHealth Plans is a licensed insurance agency and a Third Party Marketing Organization. We help people compare Medicare Advantage and Part D plan options and, if they choose to enroll, we help them submit an application.

• We do not issue insurance plans. Plans are issued by insurance companies that hold a contract with Medicare, and any coverage you obtain is between you and that company.
• We do not offer every plan available in your area. Our footer states how many organizations and products we represent. For information on all of your options, contact Medicare.gov, 1-800-MEDICARE, or your State Health Insurance Assistance Program.
• 1-800-MEDICARE is available 24 hours a day, 7 days a week.
• We are not connected with or endorsed by the U.S. government or the federal Medicare program.
• We do not provide medical, legal, or tax advice.

An earlier version of these terms said iHealth Plans "provides Medicare-related insurance plans". That was inaccurate, it contradicted our own Federal Contracting Statement, and it has been corrected here.

Who can use this site

This site is intended for adults in the United States who are able to enter into a binding agreement. It is not intended for children.

There is no account to create and nothing to log into. An earlier version of these terms referred to your account information and to terminating your access, neither of which exists for visitors to this site.

The information published here

Everything on this site, including the education articles, is general information about how Medicare works. It is not advice about your situation, and it is not a statement of what any particular plan covers or costs.

Plan availability, benefits, provider networks, formularies, and costs are set by the insurance companies and change from one plan year to the next. What is accurate when it is published may not be accurate later. Confirm the details of any specific plan with a licensed insurance agent or with the plan itself before you rely on them.

Contacting us, and us contacting you

If you give us your contact details, a licensed insurance agent may contact you about plan options. What you agree to when you submit a form is set out in full next to that form, and you can withdraw it at any time through our Do Not Call page.

Calls between you and a licensed insurance agent are recorded, including any enrollment discussion. Recording is a requirement placed on Third Party Marketing Organizations. Our Privacy Policy explains how recordings are handled.

Enrolling in a plan

If you decide to enroll, we may help you complete and submit the application, but the enrollment itself is between you and the insurance company. Acceptance, effective dates, and the terms of your coverage are determined by that company and by Medicare, not by us.

Nothing on this site is an offer of insurance, and submitting a form does not enroll you in anything.

Your responsibilities

Please give us accurate information. Eligibility for a plan, and which plans are available to you, depend on things like where you live and whether you have Medicaid, so inaccurate details can lead to a recommendation that does not actually apply to you.

Content on this site

The text, images, and design of this site belong to iHealth Plans or to whoever licensed them to us. You are welcome to read, print, and share pages for your own use. Please do not republish or use them commercially without asking.

Plan names, carrier names, and their logos belong to the companies that own them, and appear here only to identify their plans.

Links to other sites

We link to other sites, including Medicare.gov and insurance company sites, where that is the better source. We do not control those sites and we are not responsible for their content or their privacy practices.

Disclaimers and limits on liability

This site is provided as it is. We work to keep it accurate and available, but we do not promise it will be uninterrupted or free of errors.

What you read here is general information, not advice about your own situation. Plan details, premiums, provider networks, and what is covered all come from the carrier, and the carrier’s own policy documents are what decide them. Anything described here as a quote or an estimate is exactly that, and it is not an offer of coverage.

We are not responsible for indirect or knock on losses. This site is free to use, so our total liability to you for anything connected with it is limited to 100 dollars.

None of the above limits our responsibility for fraud, for gross negligence, or for anything the law does not allow us to limit. Nothing here takes away a right you have under the law of your own state.

If something goes wrong

If you are unhappy with something, please tell us first. Most problems are resolved fastest by talking to us.

These terms do not send disputes to arbitration and do not ask you to give up the right to take part in a class action. If we cannot sort something out between us, you keep every option the law of your state gives you.

Which law applies

These terms are governed by the law of the State of Florida, where iHealth Plans is based and holds its resident insurance license.

Insurance is regulated state by state, and nothing in these terms limits any right you have under the law of your own state.

Changes to these terms

We may update these terms. When we do, we will post the change here at least 30 days before it takes effect and update the date shown at the top of this page.

The exception is a change we are required to make by law, or one that addresses an urgent security problem. Those can take effect sooner, because waiting would be the greater harm.

If you keep using the site after the date a change takes effect, that means you accept the revised terms.

Contact us

If you have a question about these terms, contact us.

By phone

1-888-243-8046 (TTY 711)Monday-Friday, 9 AM-5:30 PM EST

By email

contracting@ihealthplans.com

By post

iHealth Plans LLC, 1166 W Newport Center Dr. #312, Deerfield Beach, FL 33442