Terms and Conditions

Effective Date: August 31, 2026

These Terms of Use govern your access to and use of MedicareJose.com, including any forms, scheduling tools, communications, content, and related services made available through the website.

By accessing or using MedicareJose.com, you agree to these Terms of Use, our Privacy Policy, and any additional terms that may apply to particular services or features.

If you do not agree with these Terms of Use, please do not use this website.

SMS Messaging Terms & Compliance

1. SMS Program Description

MedicareJose.com may send SMS/text messages to individuals who voluntarily provide their mobile telephone number and consent to receive text communications.

Depending on the type of consent provided, messages may include:

• Appointment confirmations
• Appointment reminders
• Rescheduling or cancellation notices
• Responses to customer service inquiries
• Requested follow-up communications
• Medicare educational information
• Medicare Annual Enrollment Period reminders
• Medicare Advantage, Medicare Supplement/Medigap, and Part D educational information
• Plan-related updates
• Enrollment-period reminders
• Other marketing or promotional communications where the individual has separately consented to receive such messages

Consent to receive marketing text messages is not a condition of purchasing any product or service.

Where applicable, SMS consent is collected through website forms, scheduling forms, landing pages, or other approved methods that clearly disclose the nature of the communications being requested.

Transactional or appointment-related consent does not automatically constitute consent to receive promotional or marketing SMS communications.

2. Message Frequency

Message frequency varies depending on your interactions with us, appointment activity, requests for information, and the type of communications you have consented to receive.

3. Opt-Out Instructions

You may cancel SMS communications at any time by replying STOP to a message from us.

After you send STOP, you may receive a final confirmation message acknowledging your unsubscribe request. You will then stop receiving SMS messages covered by that opt-out request unless you subsequently provide consent again.

To resume receiving messages, you may opt in again through an authorized MedicareJose.com form or other approved consent process.

4. Help and Support

For assistance with SMS communications, reply HELP to a message you received from us or contact MedicareJose.com using the contact information listed at the end of these Terms.

5. Message and Data Rates

Message and data rates may apply to messages sent to you or received from you, depending on your wireless service plan.

For questions regarding your mobile plan, text messaging charges, or data charges, contact your wireless carrier.

6. Carrier Liability

Wireless carriers are not liable for delayed or undelivered messages.

Delivery of SMS messages is subject to effective transmission by your wireless carrier and other service providers and cannot be guaranteed.

7. Supported Carriers

Our SMS program is intended to work with major U.S. wireless carriers and many regional carriers. Availability and delivery may vary by carrier, device, geographic area, and service plan.

8. Age Requirement

You must be at least 18 years old, or otherwise legally authorized to provide consent for the telephone number submitted, to participate in our SMS messaging program.

9. Privacy

Your use of our SMS program is also governed by our Privacy Policy.

Mobile information obtained in connection with SMS communications will be handled in accordance with our Privacy Policy and applicable law.

SMS consent and mobile telephone information will not be sold for third-party marketing purposes.

10. SMS Compliance

MedicareJose.com intends to conduct SMS communications in accordance with applicable federal and state laws and industry requirements, including applicable provisions of the Telephone Consumer Protection Act and wireless messaging guidelines.

Your consent applies only to the communications described at the time consent is obtained.

No Government Affiliation

MedicareJose.com is not connected with or endorsed by the United States government, the federal Medicare program, the Centers for Medicare & Medicaid Services, the Social Security Administration, or any state or federal government agency.

Medicare is a federal health insurance program.

MedicareJose.com provides information and access to licensed insurance professionals who may discuss certain Medicare-related insurance products offered by private insurance companies.

Medicare Plan Availability

We do not offer every plan available in your area.

Currently, we represent certain organizations that offer Medicare products in applicable service areas. The plans and insurance carriers available through us may vary by location, eligibility, contract year, and other factors.

Any information we provide is limited to the plans and products we are authorized to offer.

For information regarding all Medicare options available in your area, contact Medicare.gov, call 1-800-MEDICARE (1-800-633-4227), or contact your local State Health Insurance Assistance Program.

Plan availability, premiums, benefits, provider networks, formularies, copayments, coinsurance, deductibles, eligibility requirements, and other plan features may change from year to year.

Solicitation of Insurance

This website may constitute a solicitation of insurance.

By voluntarily requesting information, scheduling an appointment, calling us, or submitting a contact form, you authorize a licensed insurance agent to respond to your request regarding Medicare-related insurance products and services.

Submitting a request for information does not obligate you to enroll in a plan or purchase insurance.

Where legally required, separate consent will be obtained before sending marketing communications using automated technology.

No Obligation to Enroll

Using MedicareJose.com, requesting information, speaking with an agent, or scheduling an appointment does not obligate you to enroll in any Medicare Advantage, Medicare Supplement, prescription drug, life insurance, or other insurance product.

You are free to compare your available options and make your own enrollment decision.

Educational Information Only

Information provided through MedicareJose.com is intended for general educational and informational purposes.

Website content does not replace:

• Official Medicare information
• An Evidence of Coverage
• A Summary of Benefits
• A plan formulary
• A provider directory
• An insurance policy or contract
• Personalized professional, legal, tax, medical, or financial advice

Insurance benefits, premiums, coverage limitations, provider networks, formularies, eligibility requirements, and plan availability can change.

Always verify current information with the applicable insurance carrier and official plan documents before making an enrollment decision.

In the event of any conflict between information appearing on this website and the official terms of an insurance policy, plan contract, Evidence of Coverage, or other carrier document, the official carrier or plan document controls.

General Website Terms

MedicareJose.com and its related website content are operated for the purpose of providing educational information, insurance-related resources, and access to licensed insurance professionals.

Accessing this website manually, electronically, automatically, or through another method constitutes use of the website and is subject to these Terms.

We may revise these Terms of Use periodically. When changes are made, the revised Terms will be posted on this website with an updated effective date.

Your continued use of the website after revised Terms are posted constitutes acceptance of the revised Terms.

Intellectual Property Rights

Our Limited License to You

Unless otherwise stated, the content available through MedicareJose.com, including text, graphics, logos, designs, photographs, videos, website layouts, downloadable materials, and other content, is owned by or licensed to MedicareJose.com and is protected by applicable intellectual property laws.

The website is provided primarily for personal, informational, and non-commercial use.

Unless we expressly authorize otherwise, you may not:

• Copy or reproduce website content for commercial purposes
• Republish website materials
• Modify or create derivative works from our content
• Sell or sublicense our materials
• Scrape or systematically extract website content
• Remove copyright, trademark, or proprietary notices
• Use our branding in a manner that suggests sponsorship, endorsement, or affiliation

You may print or save reasonable portions of the website for your personal, non-commercial use provided all copyright and proprietary notices remain intact.

Content You Submit

If you voluntarily submit content to MedicareJose.com, such as reviews, testimonials, photographs, comments, feedback, or other material, you represent that you have the legal right to provide that content.

Where you expressly authorize us to use such submitted material, you grant us a non-exclusive license to use it for the purposes disclosed to you.

Personally identifiable information, health information, insurance information, and other private data submitted through forms or communications will be handled according to our Privacy Policy and applicable law and will not be treated as public user-generated content.

Third-Party Websites and Services

MedicareJose.com may contain links to websites, scheduling tools, insurance carrier websites, Medicare resources, maps, social networks, software providers, or other services operated by third parties.

A link to a third-party website does not necessarily constitute an endorsement, recommendation, sponsorship, or guarantee of that third party.

We do not control third-party websites and are not responsible for their content, security, availability, privacy practices, or terms.

Your use of a third-party website or service is governed by that third party's applicable terms and policies.

Insurance Carrier Information

Insurance products discussed through MedicareJose.com may be issued, underwritten, administered, or provided by third-party insurance companies.

MedicareJose.com does not control the administration of benefits, claims decisions, provider networks, formularies, premium changes, coverage determinations, or other decisions made by insurance carriers or Medicare.

Product availability is subject to applicable carrier contracts, agent appointments, geographic service areas, eligibility requirements, and federal and state regulations.

Website Disclaimer

We make reasonable efforts to keep information on MedicareJose.com accurate and current; however, we do not guarantee that every item of information will always be complete, current, or error-free.

To the fullest extent permitted by applicable law, the website and its content are provided on an "as is" and "as available" basis.

We disclaim warranties, express or implied, including warranties of merchantability, fitness for a particular purpose, accuracy, availability, and non-infringement, to the extent such disclaimers are permitted by law.

Nothing in these Terms excludes rights that cannot legally be waived.

Limitation of Liability

To the fullest extent permitted by applicable law, MedicareJose.com and its owners, affiliates, agents, employees, contractors, and service providers will not be liable for indirect, incidental, special, consequential, or punitive damages resulting from your access to or use of the website.

This limitation does not apply where such limitation is prohibited by law.

Indemnification

To the extent permitted by applicable law, you agree to indemnify and hold harmless MedicareJose.com, its owners, affiliates, agents, employees, and contractors from claims, liabilities, losses, damages, or expenses resulting from your unlawful use of the website, violation of these Terms, or infringement of another person's rights.

Website Accounts and Security

If MedicareJose.com provides account-based features now or in the future, you are responsible for maintaining the confidentiality of your login credentials and for activity conducted using your account.

You agree to provide accurate information and promptly notify us if you believe your account or credentials have been compromised.

Prohibited Use

You may not use MedicareJose.com:

• For any unlawful purpose
• To interfere with website security or operation
• To attempt unauthorized access to website systems
• To distribute malware or malicious code
• To impersonate another person
• To collect information about others unlawfully
• To scrape or reproduce substantial website content without authorization
• To use automated systems in a manner that disrupts website operation

Termination or Restriction of Access

We reserve the right to suspend, restrict, or terminate access to MedicareJose.com when reasonably necessary to protect the website, users, our legal rights, or third parties, including where a user violates these Terms or engages in unlawful or abusive activity.

Governing Law

These Terms of Use will be governed by the laws of the State of Florida, without regard to conflict-of-law principles, except where federal law applies.

Any legal proceeding that is not otherwise required to be brought in another jurisdiction shall be brought in an appropriate court located in Florida, subject to applicable law.

Nothing in this section eliminates any legal right or remedy that cannot lawfully be waived.

Changes to These Terms

We may revise these Terms of Use periodically to reflect changes in our business practices, technology, insurance products, legal requirements, or regulatory obligations.

The current version will be posted on MedicareJose.com with its effective date.

Contact Us

If you have questions regarding these Terms of Use, the website, or our SMS messaging program, please contact:

Medicare Disclosure

MedicareJose.com is not affiliated with or endorsed by the United States government or the federal Medicare program.

We do not offer every plan available in your area. Any information we provide is limited to the plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.

Calling the telephone numbers displayed on MedicareJose.com may connect you with a licensed insurance agent.

There is no obligation to enroll.

By accessing or using MedicareJose.com, you acknowledge that you have read and agree to these Terms of Use.