With an aging population, there is a growing demand for Medicare services. TEAMedicare can provide you with access to a substantial and diverse client base, ensuring a steady stream of potential clients.

Speak with a Licensed Sales Agent


Mon-Fri 9am-9pm

Medicare Benefits Everything You Need to Learn

Medicare Benefits: Everything You Need to Learn

Medicare is an essential component of the American healthcare system, providing coverage for millions of Americans each year. Despite its importance, many people still have a hard time understanding the different benefits and options available to them. Whether you’re approaching Medicare age, helping a loved one navigate the system, or just looking to learn more about the benefits available, this post is the ultimate guide to understanding all things Medicare. We’ll cover everything from the different parts of Medicare to eligibility requirements and cost-sharing, so you can make informed decisions about your healthcare coverage. Read on to learn more about Medicare benefits and how they can help you live a healthier, happier life.

Introduction to Medicare: What is it and who is eligible?

Medicare is a federal health insurance program that provides coverage for individuals who are 65 years and older, as well as certain younger individuals with specific disabilities. Understanding the basics of Medicare is essential, especially as you approach retirement age or if you have a loved one who is eligible.

Medicare is divided into different parts, each offering distinct benefits. Part A covers hospital stays, skilled nursing facility care, hospice care, and some home health care. Part B provides coverage for medical services such as doctor visits, preventive care, and outpatient services. Part D focuses on prescription drug coverage, helping to offset the costs of necessary medications. Lastly, there is Part C, also known as Medicare Advantage, which offers an alternative way to receive Medicare benefits through private insurance companies.

To be eligible for Medicare, you must meet certain criteria. Typically, individuals who have worked and paid Medicare taxes for at least 10 years are automatically eligible for Medicare benefits. However, even if you haven’t met the work requirement, you may still qualify based on your spouse’s work history or other special circumstances.

Understanding the different parts of Medicare: Part A, Part B, Part C, and Part D

Medicare is divided into four parts, each providing different coverage and benefits. Let’s break them down:

1. Part A: Hospital Insurance
Medicare Part A covers inpatient hospital stays, skilled nursing facility care, hospice care, and some home health care services. This part is generally available without a monthly premium for those who have paid Medicare taxes while working.

2. Part B: Medical Insurance
Medicare Part B covers medically necessary services, outpatient care, preventive services, and durable medical equipment. It requires a monthly premium, and the amount is determined based on income. Part B is essential for covering services like doctor’s visits, lab tests, and preventive screenings.

3. Part C: Medicare Advantage
Medicare Part C, also known as Medicare Advantage, is an alternative to Original Medicare (Parts A and B) offered by private insurance companies. These plans often include prescription drug coverage (Part D) and may offer additional benefits like dental, vision, or fitness programs. Medicare Advantage plans typically require a monthly premium and may have different rules and costs compared to Original Medicare.

4. Part D: Prescription Drug Coverage
Medicare Part D provides prescription drug coverage. It helps pay for both generic and brand-name prescription drugs at participating pharmacies. Part D plans are offered by private insurance companies approved by Medicare. Each plan can have its specific list of covered drugs and associated costs.

Medicare enrollment: When and how to sign up for Medicare

The initial enrollment period for Medicare begins three months before your 65th birthday and extends for three months after. This seven-month window gives you ample time to explore your options and make informed decisions about your healthcare coverage. It is important to note that if you miss this initial enrollment period, you may face late enrollment penalties and delays in accessing the benefits.

Medicare Benefits Everything You Need to Learn

To sign up for Medicare, you have a few options. One way is to apply online through the Social Security Administration’s website. This convenient method allows you to complete the enrollment process from the comfort of your own home. Alternatively, you can visit your local Social Security office in person to submit your application. It is recommended to schedule an appointment in advance to ensure a smooth and efficient process.

When enrolling in Medicare, you will need certain information and documents readily available. This includes your Social Security number, proof of age (such as a birth certificate), and information about any current health insurance coverage you may have. Being prepared with these documents will help streamline the enrollment process and ensure accurate and timely processing of your application.

It is important to educate yourself about the different parts of Medicare, including Part A (hospital insurance) and Part B (medical insurance). These two parts provide essential coverage for hospital stays, doctor visits, preventive services, and more. Depending on your needs, you may also consider enrolling in additional coverage through Medicare Advantage plans (Part C) or prescription drug plans (Part D).

Medicare costs and out-of-pocket expenses: What to expect and how to plan

While Medicare provides essential healthcare coverage for seniors and individuals with disabilities, it is important to be aware of the associated expenses to avoid any unexpected financial burdens.

Firstly, it’s important to note that Medicare has various parts, each with its own costs and coverage. Medicare Part A, which covers hospital stays and some skilled nursing care, is generally premium-free for most individuals who have paid Medicare taxes during their working years. However, there may still be deductibles and co-payments for certain services.

Medicare Part B, which covers medical services such as doctor visits and outpatient care, does have a monthly premium that is typically deducted from your Social Security benefits. The premium amount can vary based on your income. Additionally, Part B also has an annual deductible and coinsurance, where you are responsible for a percentage of the costs.

Medicare Part D, which covers prescription drugs, is provided through private insurance companies. These plans have monthly premiums, deductibles, and copayments or coinsurance for medications. It’s important to carefully review and compare different Part D plans to ensure they meet your specific medication needs and budget.

In addition to the premiums and deductibles, Medicare also has out-of-pocket expenses that can add up. These include co-payments or coinsurance for various services, especially if you require frequent medical care or specialized treatments. It’s advisable to consider these potential expenses when budgeting for healthcare costs during retirement.

To effectively plan for Medicare costs and out-of-pocket expenses, you can explore additional coverage options such as Medicare Supplement plans (Medigap) or Medicare Advantage plans. These plans can help fill the gaps in coverage and potentially reduce out-of-pocket expenses. However, it’s important to carefully evaluate the costs and benefits of these plans to determine what aligns best with your healthcare needs and financial situation.

It’s recommended to review your healthcare needs annually during Medicare’s open enrollment period, which typically occurs from October 15th to December 7th. This allows you to assess your current coverage, compare plans, and make any necessary adjustments to ensure you are getting the most appropriate and cost-effective healthcare coverage.

Navigating Medicare Advantage plans: Pros, cons, and considerations

One of the main advantages of Medicare Advantage plans is that they often offer additional benefits beyond what original Medicare provides. These can include prescription drug coverage, dental and vision benefits, and wellness programs. For individuals who have specific healthcare needs or require regular medications, these added benefits can be a major draw.

Another benefit of Medicare Advantage plans is that they often have a network of healthcare providers, which can help streamline the coordination of your care. This can be especially beneficial if you prefer having a primary care doctor who oversees your overall health and coordinates with specialists as needed.

However, it’s important to consider some potential drawbacks as well. Medicare Advantage plans typically have a more limited network of providers compared to original Medicare, so you’ll want to ensure that your preferred doctors and hospitals are included in the plan’s network. Additionally, some plans may require prior authorization for certain procedures or medications, which could potentially delay your access to care.

When considering a Medicare Advantage plan, it’s crucial to review the plan’s coverage details, including premiums, deductibles, copayments, and out-of-pocket maximums. Understanding these costs can help you budget for your healthcare expenses and ensure that the plan aligns with your financial situation.

Lastly, it’s important to remember that Medicare Advantage plans are subject to annual enrollment periods, typically occurring between October 15th and December 7th each year. During this time, you have the opportunity to review your current plan and make changes if necessary.

Supplemental Medicare insurance: What it covers and who it’s for

Supplemental Medicare insurance, also known as Medigap, is a type of insurance that helps fill the gaps in coverage provided by original Medicare. While Medicare covers a significant portion of healthcare costs, it doesn’t cover everything, leaving beneficiaries responsible for certain out-of-pocket expenses.

Medicare Benefits Everything You Need to Learn

Supplemental Medicare insurance is designed to provide additional coverage for these costs, such as deductibles, coinsurance, and copayments. It can also cover services that are not covered by Medicare, such as routine vision and dental care, prescription drugs, and overseas emergency medical services.

Who is supplemental Medicare insurance for? It is primarily intended for individuals who have original Medicare (Part A and Part B) and want to reduce their out-of-pocket expenses. This can be particularly beneficial for those who require frequent medical care or have chronic health conditions that necessitate ongoing treatment.

Supplemental Medicare insurance plans are standardized and regulated by the government, ensuring that the coverage options are consistent across different insurance providers. There are ten standardized plans available, labeled with letters from A to N. Each plan offers a different combination of coverage, allowing individuals to choose the one that best suits their specific needs.

It’s important to note that supplemental Medicare insurance cannot be used in conjunction with Medicare Advantage plans. If you have a Medicare Advantage plan, it is not advisable or even possible to purchase a supplemental Medicare insurance policy.

Medicare prescription drug coverage: Understanding Part D and formularies

Part D provides coverage for prescription drugs, helping Medicare beneficiaries manage the costs associated with their medications. It is available as a standalone plan or as part of a Medicare Advantage plan. The coverage provided by Part D varies depending on the specific plan chosen, so it’s important to carefully review and compare different options to find the one that suits your needs.

One key aspect to consider when evaluating Part D plans is the concept of formularies. Formularies are lists of prescription drugs covered by a specific plan. Each plan has its own formulary, and drugs are categorized into different tiers based on their cost and the coverage level provided. Generally, drugs in lower tiers have lower out-of-pocket costs, while those in higher tiers may require higher copayments or coinsurance.

It’s crucial to review the formulary of any Part D plan you are considering, as it will determine which drugs are covered and how much you will need to pay for them. Keep in mind that formularies can change from year to year, so it’s a good idea to review your plan annually during the Medicare Annual Enrollment Period to ensure your medications are still covered at an affordable cost.

In addition to formularies, it’s important to understand that Part D plans may also have different pharmacy networks. These networks consist of pharmacies that have agreed to provide prescription drugs at negotiated prices for plan members. Before enrolling in a Part D plan, make sure that your preferred pharmacy is included in the plan’s network to ensure convenient access to your medications.

Medicare and long-term care: What’s covered and what’s not

It’s important to note that Medicare is primarily designed to cover acute medical care and short-term rehabilitation services. This means that if you require long-term care in a nursing home or assisted living facility, Medicare will generally not cover the costs.

Medicare Benefits Everything You Need to Learn

However, there are certain circumstances where Medicare will provide limited coverage for long-term care services. For example, if you have a qualifying hospital stay and require skilled nursing care, Medicare Part A may cover a portion of the costs for up to 100 days. It’s important to note that this coverage is contingent upon meeting specific criteria and is not guaranteed for everyone.

When it comes to custodial care, which includes assistance with activities of daily living such as bathing, dressing, and eating, Medicare does not provide coverage. This type of care is typically not considered medically necessary and falls under the category of long-term care services that individuals must finance themselves.

To ensure that you have adequate coverage for long-term care needs, it’s essential to explore alternative options such as long-term care insurance or Medicaid. Long-term care insurance policies are specifically designed to cover the costs associated with custodial care, offering individuals financial protection and peace of mind. Medicaid, on the other hand, is a government program that provides assistance to low-income individuals and may cover long-term care services if certain criteria are met.

Tips for maximizing your Medicare benefits and staying informed

When it comes to maximizing your Medicare benefits and staying informed, there are a few key tips that can make a significant difference in your experience.

First and foremost, it’s crucial to stay informed about any changes or updates to the Medicare program. Medicare policies and coverage can sometimes change, so keeping up-to-date with the latest information will ensure that you are taking full advantage of the benefits available to you. This can be done by regularly checking the official Medicare website, signing up for newsletters or updates, and consulting with a trusted healthcare professional who specializes in Medicare.

In addition to staying informed, taking the time to review your Medicare plan annually is essential. Your healthcare needs may change over time, and it’s important to ensure that your plan still aligns with your needs and preferences. This includes assessing your prescription drug coverage, evaluating your healthcare providers, and considering any additional coverage options that may be beneficial to you.

Another tip for maximizing your Medicare benefits is to take advantage of preventive services. Medicare offers a range of preventive services, such as screenings, vaccinations, and wellness visits, that can help detect and prevent potential health issues. By utilizing these services, you can not only maintain your health but also potentially catch any problems earlier, leading to better outcomes and potentially lower healthcare costs.

Don’t hesitate to ask questions and seek assistance when needed. The Medicare system can be complex, and it’s natural to have questions or uncertainties. Whether it’s reaching out to a Medicare counselor, contacting your plan provider, or seeking guidance from a local senior center or advocacy group, there are resources available to help you navigate the Medicare landscape.


Navigating the world of healthcare can be overwhelming, especially when it comes to understanding Medicare. However, armed with the knowledge we’ve shared, you can confidently make informed decisions about your healthcare coverage. Remember to consult with a Medicare specialist for personalized advice tailored to your unique needs. With this newfound understanding, you’ll be well-equipped to maximize your Medicare benefits and ensure a healthier future.

Read more:
HMO Point Of Service Plans: All You Need To Know
Medigap: What You Need To Know
Medicare Coverage: Everything You Need To Know

TEAMedicare, LLC - Do Not Call Policy

If you do not want to receive sales calls from TEAMedicare, LLC or its related entities (“Company”), you can ask us to place your telephone number on our “Do Not Call” list.  In compliance with federal and state laws, we will document your request quickly (typically within 5-7 days).
Please allow up to 30 days for your telephone number to be removed from any sales programs and marketing campaigns that are currently underway.

  • Your request can be in writing, by e-mail, or by phone (see below for contact information), and must include, at a minimum, your telephone number.
  • If you have multiple telephone numbers, tell us all numbers that you want to be included on the list.
  • The Company will maintain the telephone number and, if provided, the name on the Company’s “Do Not Call” list for five (5) years, unless a request is made by the person to have the number removed.
  • If your telephone number ever changes, you must give us your new information for your “do not call” status to remain in effect.

When we solicit prospective customers, we also honor “do not call” requests on behalf of consumers listed on the National Do Not Call Registry maintained by the Federal Trade Commission and various state-agency lists.

Many state “Do Not Call” regulations permit companies to contact their own customers even though they are on these “Do Not Call” lists.

Therefore, if you are a customer, you may be contacted by us even though you are on a state or the national “do not call” list.  If you do not want to be contacted by Company even though you are a customer, simply follow the steps above to be placed on the Company “Do Not Call” list and your request will be honored.

Being on the Company “Do Not Call” list means that you will not receive sales calls by anybody representing our Company.

All employees that engage in outbound telephone solicitation are trained in this policy and are made aware of these procedures.  Management will review the policy with these employees on a regular basis.

The methods and procedures in this “Do Not Call” policy are reviewed by Company on a biannual basis.  If a consumer requests a copy of our “Do Not Call” policy, we will send a copy of this policy via U.S. mail or electronic mail.  The “Do Not Call” policy is also posted on the Company websites.

The Company respects the wishes of those customers and prospective customers who do not want to receive telephone solicitation calls from the Company.  It is the policy of the Company not to make a telephone solicitation call to any of the following:

  1. any person who has requested that the Company not make such calls to the person’s residence; or
  2. any person who has put his or her telephone number on a federal or state Do Not Call registry, except as otherwise permitted by law.

A “telephone solicitation call” means any call that is made for the purpose of encouraging the purchase of products and services from the Company.

Anyone may be placed on the Company’s Do Not Call List by:

  1. sending a written request to the Company at the following address:

    2608 S. 47th Street #C
    Tacoma, WA 98409;

  2. e-mailing the Company at: Teamedicare@outlook.com
  3. calling the Company at: 888-799-9919.

The request must provide the 10-digit telephone number that is not to be called and, if desired, the person’s name.

If a person’s telephone number changes, another request must be submitted to have the new number added to the Company’s Do Not Call list.

The Company intends to comply with all federal and state Do Not Call laws.  Any questions concerning the Company’s Do Not Call Policy may be directed to the contact addresses and numbers above.

The Federal Trade Commission also offers a free service to consumers allowing them to place their residential phone number on a National Do Not Call Registry.  This service is offered and maintained by the federal government, not by our Company.  Consumers may add their residential phone number to this list either by calling 888-382-1222 or by going to www.donotcall.gov.

Terms of Service

Licensing & Legal

Legal Terms & Conditions

Teamedicare.com is a service mark of TEAMedicare, LLC. All trademarks, service marks, trade names and logos displayed on this site are proprietary or licensed to TEAMedicare, LLC, except for those of the insurance carriers, agent, brokers, industry organizations, associations, health care institutions, and other service companies, which are service marks or trademarks of their respective entities. The name, trademarks, service marks and logos of HealthPlanOne LLC and any of the insurance companies represented by TEAMedicare LLC may not be used in any advertising or publicity, or otherwise for any commercial use by other insurance agent or brokers. Any such use is prohibited by federal trademark and copyright law. This site is a copyrighted publication of TEAMedicare, LLC. No portion of this site or any news or information displayed on this site may be published, broadcast, duplicated, photocopied, faxed, downloaded, uploaded, distributed, transmitted or redistributed in any way for any purpose without TEAMedicare, LLC’s prior express written permission. The content presented on this site is that of TEAMedicare, LLC and not necessarily that of the participating insurance carriers. However, certain content is presented by insurance carriers, agents, brokers, industry organizations, service providers and educational institutions, and that content is solely that of the respective entity providing the content.

General Disclaimer; No Warranties; Limited Liability

Teamedicare.com is a web site where small business and consumers can research various health insurance choices and health insurance companies. Not withstanding any language to the contrary, nothing contained herein constitutes nor is intended to constitute an offer, inducement, promise, or contract of any kind, or a recommendation to purchase insurance from any particular insurance company at any particular level of benefits or plan design. TEAMedicare LLC and its affiliates intend that the general and insurance specific information contained in on this web site be accurate and reliable, however, TEAMedicare LLC makes no representations as to the completeness, accuracy or timeliness of the web site materials and its links. TEAMedicare LLC periodically amends, changes, adds, delete, updates or alters the information, including with out limitation, the terms and conditions of use, at the web site without notice. To the full extent permissible by applicable law, the company disclaims all warranties, express or implied, including, but not limited to, implied warranties of merchantability and fitness for a particular purpose. TEAMedicare LLC does not warrant that this site, its servers, or e-mail sent from the company are free of viruses or other harmful components. The company 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 the company is made aware of the possibility of such damages. TEAMedicare, LLC is not an insurance company. TEAMedicare LLC is not responsible for payment of any claims a user may have relating to insurance purchased through this site.

Existing Insurance Coverage



This web site is brought to you by the following licensed brokers in each respective state, which require insurance transactions to be conducted through a licensed agent/broker. Each agent/ broker is associated with TEAMedicare, LLC.

State License No.

StateLicense No.
Minnesota 40040992
New Hampshire2001232
New Jersey1067556
New Mexico1800005445
New YorkLA-1024797
North Carolina1000001822
North Dakota20295112
Rhode Island2044085
South Carolina1905753648
South Dakota10003612
West Virginia100109397

Privacy Policy

Thank you for your interest in TEAMedicare, LLC and its affiliated organizations and brands (“Company,” “we,” “us,” or “our”). This Privacy Policy (“Policy”) applies to the following websites owned and operated by Company, and our other websites where we post this document as the applicable Privacy Policy, along with any related websites, networks, applications, insurance agent and representative services, and communication channels (including online chat and telephone call centers)

You can learn about our commitment to privacy with this Policy describing how we collect, use, share and secure the personal information you provide. It also describes your choices regarding use, access and correction of your personal information.

At our Company, we are strongly committed to protecting your privacy.

To serve as your licensed insurance agent, we will ask you to provide us with personal information about you. We use your personal information to help you find and, if you choose to do so, apply for health insurance and other products that may be of interest to you and your family. We only use and disclose your personal information in accordance with our Policy. Additionally, we use advanced technologies to ensure the security and confidentiality of the personal information you provide us.

Throughout this Policy, we refer to information that can identify you as a specific individual, such as your name, phone number, email address, Social Security number, or credit card number, as “personal information”.

Further, personal information includes any information about your health or medical history that you may provide us in a health insurance application or any financial or other sensitive personal information that you may provide us in an application to obtain an advanced premium tax credit (or “subsidy”) determination from the government. If you provide information directly to one of our partners or any other third party, then your information would be governed by such other party’s privacy policy.

If you have questions or concerns regarding our privacy policy or practices, please contact us at TEAMedicare@Outlook.com

  1. We do not disclose your personal information to third parties, unless one of the following limited exceptions applies.

Insurance Companies, Licensed Agents, and Business Partners

If you submit an application for an insurance product offered by us, then we will disclose your personal information to your chosen insurance company to process your application. If you submit a request for information or an application for an insurance product offered through an insurance agent, agency or other business partner with whom we associate or contract, then we may disclose your personal information to that agent, agency or business partner to process your request for information or application or to otherwise provide you with information about insurance products (including contacting you by telephone, email, or otherwise to discuss insurance products in which you may be interested).
Please be assured that these partners are only allowed to use your personal information to process your requested quote, application or enrollment form and are legally obligated to maintain strict confidentiality.

Service Providers

We may disclose your personal information to other companies that help us to process or service any application you begin, process or submit through us, or to correspond with you. Please be assured that the companies we hire to process or service your insurance application or correspond with you are not allowed to use your personal information for their own purposes and are contractually obligated to maintain strict confidentiality.

Affinity Groups, and Benefits Administrators or Consultants

If you were referred to us by, or use our website or call center in connection with an affinity group, or other organization with which you may be affiliated (or a benefits administrator or consultant associated with such employer, group or organization), we may disclose your personal information to such group, organization, administrator and/or consultant. For example, we may inform such group, organization, administrator and/or consultant whether or not you have enrolled in a plan. Please be assured that these parties are only allowed to use your personal information as permitted by applicable law.

Legal Obligations

In certain situations, Company may be required to disclose personal data in response to lawful requests by public authorities, including to meet national security or law enforcement requirements.
We may also disclose your personal information as required by law, such as to comply with a subpoena, or similar legal process. We may disclose or report your personal information when we believe, in good faith, that the disclosure is required or permitted under law, for example, to cooperate with regulators or law enforcement authorities, to resolve consumer disputes, to protect our rights, to protect your safety or the safety of others, to investigate fraud, or to otherwise respond to a government request.

Business Transition

If Company is involved in a merger, acquisition, or sale of all or a portion of its assets, you will be notified via email and/or a prominent notice on our website of any change in ownership or uses of your personal information, as well as any choices you may have regarding your personal information.

Your Consent

If you provide us an indication of your consent to disclose, share or use your personal information in connection with a third party, we may disclose, share or use your personal information in that manner. For example, if you opt in to our social media mailing lists and promotional updates, then we may disclose your relevant personal information to social media platforms where Company has a corporate account for the purpose of adding you to Company’s social media mailing and promotional update lists. Generally in such a situation, the social media platforms are not allowed to use your personal information for their own purposes unless you have a direct account on such social media platforms, in which case your personal information would be handled by the social media platforms in accordance with the social media platforms’ privacy policies.

Your Requests for Products

If you request to be contacted about any type of insurance product, request to be contacted by a licensed agent or other representative, request assistance with enrolling in any type of insurance product or make any other request for someone to contact you (such as by filling out an online request form), then our agents or representatives may contact you, or we may disclose your personal information to a third-party insurance agency, insurance agent, insurance company or other appropriate entity, so that such entity may contact you about any product in which you indicated interest or may assist you in enrolling in any such product. Any additional information that you subsequently choose to provide to any third-party entity will be governed by that entity’s privacy policy.

Outside of these exceptions, we will not sell, trade or share your personal information with third parties.

  1. We collect personal information in the normal course of business in order to process your insurance application and to serve you better.

Registering With Us

We begin collecting personal information from you when you provide it to us on our websites.

Registering With Our Business Partners

We may obtain collecting personal information from you when you provide it to our business partners on their websites.  They may then provide it to us with the consent you provide to them on their websites when you submit the information through their submission process

Applying for Health Insurance and Other Products

If you apply for a health insurance or other product through our website, we may ask you to provide us with personal information and/or health information relating to you and any family member who will be included on your application. This information will be used by your chosen insurance company, agent, or other person or entity to process your application.

Providing you with a quote or processing your application

We may use your personal information to get in touch with you when necessary to process your application or to provide you with a quote. For example, emails may be sent to you throughout the application process to inform you of the status of your application and to seek additional information that is requested as part of the application.

We may also use phone numbers you provide to send you telephone or text messages about your application or account, and such messages may be automatically sent with an autodialer, an artificial or prerecorded voice, or other automation technology.

Third Party Data

We may receive information about you from other sources, including publicly available databases or third parties from whom we have obtained data, and combine this data with information we already have about you. This helps us to update, expand and analyze our records, identify new customers, and provide products and services that may be of interest to you. Examples of the types of personal information that may be obtained from public sources or third parties and combined with information we already have about you, may include: (a) address information from third party sources to verify your address so we can properly communicate with you and to prevent fraud and/or (b) data about our customers from third parties that is combined with information we already have about you, to create more tailored advertising and products.

Customer satisfaction, referrals and other products

We, our wholly-owned subsidiaries, or other third party entity may contact you to survey your satisfaction of our service, refer our products and services to other people, and/or to inform you of additional products and services. You may opt out of receiving these additional communications from us by following the opt-out procedures below.

Collection and Use of 3rd party Personal Information:

You may also provide personal information about other people, such as their name, date of birth and gender. This information is only used for the sole purpose of completing your request or for whatever reason it may have been provided. 

  1. We gather non-directly identifying information about you for our internal purposes, and we may share this non-directly identifying information with third parties.
  • As is true of most web sites, we may gather certain information automatically or systematically and store it in log files. This information may include aggregate demographic information such as the number of visitors to our website from a particular state or browser information such as browser type, device type, geographic region, IP address, and other non-directly identifying information. We may combine this automatically or systematically collected data with other information we collect about you. We may do this to improve or optimize our services, marketing, analytics, site functionality, service offerings, or for other business needs.
  • The strict restrictions we have in place for personal information do not necessarily apply to non-directly identifying information. Because non-directly identifying information is designed to not directly identify individuals, if we change the way we use such information after we have collected it, we may be unable to contact you to notify you of such change.
  • We use non-directly identifying information primarily for marketing purposes and to improve our websites and the services we offer you, and we may disclose this information to third parties.
  • We may use cookies, clear gifs, Internet Protocol or IP addresses, tracking pixels, page tags and other similar monitoring technologies to gather non-directly identifying information. For a more detailed discussion on cookies and clear gifs, please see below. Because such technologies develop quickly, we are not limited to using only the technologies described in this policy for collecting or handling this type of information.
  1. We protect the confidentiality and security of your personal information.
  • We maintain generally accepted standards for physical, electronic and procedural safeguards to protect your personal information.
  • For a more detailed discussion of the electronic safeguards on our website, please see below.
  1. We continue to evaluate our efforts to protect your personal information and make every effort to keep your personal information accurate and up to date.
  • Upon request Company will provide you with information about whether we hold any of your personal information. If your personal information changes, or if you otherwise want to correct, update or delete your personal information held by us, you may contact us by email at TEAMedicare@Outlook.com or by mail at:

TEAMedicare, LLC
Privacy Officer
2608 S. 47th Street #C
Tacoma, WA 98409

  • We will retain your information for as long as your account is active or as needed to provide you services. We will retain and use your information as necessary to comply with our legal obligations, resolve disputes, and enforce our agreements.
  • Please note that once your application has been submitted to your chosen health insurance company or any other relevant party (such as the federal government in the case of an application involving advanced premium tax credits) you may have to contact the insurance company or such other party directly to update your application.
  1. We will provide notice of changes in our personal information privacy practices.
  • If we are going to use your personal information in a manner materially different from that stated at the time of collection, we will notify you via email (sent to the email address specified in your account) or by means of a notice on the website prior to the change becoming effective. You will have a choice as to whether or not we use your personal information in this different manner.
  • If we make any material changes to our personal information privacy practices that do not affect the personal information already stored in our database, we will notify users of the change in the privacy portion of our website.
  1. You may opt out of receiving satisfaction surveys and/or information on additional products and services from us.
  • We may contact you to survey your satisfaction of our service and/or to inform you of additional products and services.
  • If you wish to subscribe to our newsletter(s), we will use your name and email address to send the newsletter to you. Out of respect for your privacy, you may choose to stop receiving our newsletter or marketing emails by following the unsubscribe instructions included in these emails, accessing the email preferences in your account settings page or you can contact us at



  • If you want to opt out of these surveys and/or notices, you may contact us by email at


     or by mail at:

TEAMedicare , LLC
2608 S. 47th Street #C
Tacoma, WA 98409

  • Please note that you will still receive communications from us regarding your insurance quote, application, or policy even if you opt out of receiving our surveys and/or notices of additional products and services.
  • We are available to answer any questions you may have about our privacy policy or our information privacy practices. If you have any questions, please email us at Teamedicare@outlook.com. We will respond to your questions within 30 days.
  1. This privacy policy applies to the websites listed above, and may not apply to other websites that are owned and/or operated by Company.
  • The information privacy practices described in this privacy policy apply only to information provided to us through this website and those websites listed above as well as information provided to us from you when we directly communicate with you. Accordingly, all of the personal information you submit to us shall be governed by this privacy policy. Additionally, all of the non-directly identifying information collected from this website shall be governed by this privacy policy.
  • If you are returning to complete an application that you initiated on another website that is owned or operated by Company (e.g., a partner co-branded website), this privacy policy may not apply. Please review the privacy policy of the website on which you initiated your application to learn about the information privacy practices that apply to the personal information you submit to us.
  • If you want your personal information to be subject to the information privacy practices described in this website’s privacy policy, you may initiate a new application on this website.

Additional Information About Privacy and Security at Company

Tracking technologies

Cookies or similar technologies are used by us and our business and marketing partners, affiliates, and/or analytics or service providers. These technologies are used in analyzing trends, administering this and other sites, tracking users’ movements around this site and other sites, customizing content on this and other sites, and gathering information about our user base. We may receive reports based on the use of these technologies by these companies on an individual as well as aggregated basis.

We use cookies on our site for various purposes such as user authentication, user preferences, our shopping experience, and customizing user experiences. Users can control the use of cookies at the individual browser level. If you reject cookies, you may still use our site, but your ability to use some features or areas of our site may be limited.

We use Local Storage, such as HTML5, to store content information and preferences. Third parties with whom we partner to provide certain features on our site or to display advertising based upon your Web browsing activity use Local Storage Objects (LSOs) such as HTML 5 or Flash to collect and store information. Various browsers may offer their own management tools for removing HTML5 LSOs.

Behavioral Targeting / Re-Targeting / Do-Not-Track

We partner with one or more third party ad networks to manage and display advertising to visitors on our website and to manage and display advertising viewed by visitors on other sites. Our ad network partner(s) may use cookies or similar technologies to collect information about your activities on this and other websites to provide you targeted advertising based upon your interests and browsing patterns.

Such activity is often called behavioral targeting or re-targeting, and this may change the ads or other features you see on our website or other websites that you visit. If you wish to not have this information used for the purpose of serving you targeted ads, you may opt-out of specific re-targeting programs by contacting us at Teamedicare@outlook.com.

These opt-out programs may not be designed to work for all advertising networks or methods. Your browser may also have settings to reduce re-targeting, such as switching to (In)private or incognito browsing mode or a mode that does not accept cookies.

Currently, our site does not change its behavior based on receiving your browser’s “do-not-track” setting or signal. Please note that opting out of re-targeting does not opt you out of being served advertising. You will continue to receive generic ads instead of tailored ads.

Browsers and Internet Security

Any time you enter or provide personal information and sensitive information (such as credit card number and social security number) in our website, we encrypt it using Secure Socket Layer (“SSL”) technology. SSL protects information as it crosses the Internet. To support this technology, you need an SSL-capable browser. Company recommends using encryption at least as strong as the 128-bit encryption available in browsers such as recent versions of Microsoft’s Internet Explorer or Google’s Chrome browser. These browsers will activate SSL automatically whenever you begin shopping for a plan on our website and when you return to our website to complete an application.

In most browsers, you will see either a locked padlock or a key icon to indicate your session connection is taking place via a secure server. This icon indicates you are visiting a secure area within a website.

If you need a strong encryption browser, you can go to the Microsoft website or the Google website to download the latest Internet Explorer or Chrome browser. We do not recommend the use of beta browser versions.

No method of transmission over the Internet, or method of electronic storage, is 100% secure, however. Therefore, we cannot guarantee its absolute security. If you have any questions about security on our Web site, you can contact us at Teamedicare@outlook.com

Security Risk of Using Non-Approved Automated Software Applications

For security reasons to guard the safety of your data, access to this website is limited to SSL-capable browsers such as recent versions of Microsoft’s Internet Explorer or Google’s Chrome. Under no circumstance should you use any software, program, application or any other device to access or log-in to the Company website, or to automate the process of obtaining, downloading, transferring or transmitting any content to or from our computer systems, website or proprietary software.

Links to Other Websites

Our website contains links to other websites. Please note that when you click on one of these links you are “clicking” to another website. Company is not responsible for the information privacy practices or the content of such websites. We encourage you to read the privacy policies of these linked websites as their information privacy practices may differ from ours.


We display personal testimonials of satisfied customers on our site in addition to other endorsements. With your consent we may post your testimonial along with your name. If you wish to update or delete your testimonial, you can contact us at Teamedicare@outlook.com.

Social Media Features and Widgets

Our website includes social media features, such as the Facebook Like button and Widgets, such as the Share this button or interactive mini-programs that run on our site. These features may collect your IP address, which page you are visiting on our site, and may set a cookie to enable the feature to function properly. Social media features and widgets are either hosted by a third party or hosted directly on our website. Your interactions with these features and widgets are governed by the privacy policy of the company providing it.

Contact Us

TEAMedicare Office:

2608 S. 47th Street #C
Tacoma, WA 98409