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.

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Understanding Health Insurance A Comprehensive Guide

Understanding Health Insurance: A Comprehensive Guide

Health insurance can be a confusing and overwhelming topic for many people. It’s difficult to understand all the different terms, coverage options, and legal requirements that come with it. However, having health insurance is essential for staying healthy and financially secure. With this comprehensive guide, we aim to demystify the world of health insurance and help you understand your coverage. From understanding the different types of health insurance plans to learning how to choose the right one for you and your family, we have got you covered. We will also provide you with tips on how to make the most of your health insurance coverage and avoid common mistakes that can lead to unexpected medical bills. So, let’s dive into the world of health insurance and take control of your healthcare costs!

Introduction: The importance of understanding your health insurance coverage

Health insurance is an integral part of our lives, providing financial security and access to quality healthcare services. However, navigating the complex world of health insurance can often feel like deciphering a foreign language. With a myriad of terms, policies, and coverage options, it’s crucial to fully understand your health insurance to make informed decisions and ensure you receive the care you need.

Understanding your health insurance coverage is essential for several reasons. Firstly, it empowers you to take control of your healthcare journey. By knowing the specifics of your plan, such as what services are covered, what your out-of-pocket costs may be, and which healthcare providers are in-network, you can make well-informed decisions about your care.

Secondly, being knowledgeable about your health insurance coverage helps you maximize the benefits available to you. Many insurance plans offer preventive services at no cost, such as vaccinations, wellness check-ups, and screenings.

Key terms and definitions: Understanding the language of health insurance

Insurance terminology can often feel like a foreign language, filled with unfamiliar terms and acronyms. However, by familiarizing yourself with these key terms and definitions, you can navigate your health insurance coverage with confidence.

Understanding Health Insurance A Comprehensive Guide

Firstly, it’s important to understand the concept of a premium. This is the amount you pay, usually on a monthly basis, to maintain your health insurance coverage. It’s crucial to budget for this expense and ensure that you make timely payments to keep your coverage active.

Next, let’s explore the concept of a deductible. This is the amount you must pay out of pocket before your insurance coverage kicks in. For instance, if your plan has a $1,000 deductible, you will need to pay $1,000 towards eligible medical expenses before your insurance starts covering the costs. Deductibles can vary depending on your plan, so it’s important to understand your specific deductible amount.

Co-payments, or co-pays, are another important term to understand. These are fixed amounts you pay at the time of receiving certain medical services, such as a doctor’s visit or prescription medication. For example, your insurance plan may require a $20 co-pay for each visit to a primary care physician. Co-pays can vary for different services, so it’s important to review your plan documents to understand your specific co-payment requirements.

Another term to be aware of is coinsurance. Once you’ve met your deductible, coinsurance refers to the percentage of costs you share with your insurance company for covered services. For example, if your plan has a coinsurance rate of 20%, you would be responsible for paying 20% of the costs while your insurance covers the remaining 80%.

Coverage details: What services and treatments are covered?

Typically, health insurance policies cover a wide range of services, including hospital stays, doctor visits, emergency care, prescription medications, and preventive care. However, it is important to note that the extent of coverage for each service can vary.

For instance, some policies may cover a certain percentage of the cost for hospital stays, while others may have a fixed co-payment amount. Similarly, the coverage for prescription medications may differ, with some policies requiring prior authorization or only covering generic alternatives.

When reviewing your policy, pay attention to any exclusions or limitations. Certain treatments or services, such as cosmetic procedures or experimental therapies, may not be covered. Additionally, some policies may have waiting periods before certain services become eligible for coverage.

To gain a comprehensive understanding of your coverage, consider reaching out to your insurance provider or reviewing the policy documents provided. They can provide you with specific information regarding the services and treatments covered, as well as any additional benefits or discounts that may be available to you.

Out-of-pocket costs: Deductibles, co-pays, and co-insurance explained

Understanding the various out-of-pocket costs associated with health insurance is crucial for every policyholder. These costs can significantly impact your overall healthcare expenses and should not be overlooked. In this section, we will demystify the terms deductibles, co-pays, and co-insurance, shedding light on what they mean and how they affect your coverage.

Understanding Health Insurance A Comprehensive Guide

1. Deductibles:
Think of a deductible as the amount you must pay out of your own pocket before your insurance coverage kicks in. It is an annual fixed amount set by your insurance provider. For example, if you have a $1,000 deductible, you will be responsible for paying the first $1,000 of your medical expenses before your insurance starts covering the costs. Keep in mind that some services, like preventive care or certain prescription drugs, may be exempt from the deductible requirement.

2. Co-pays:
A co-pay, short for co-payment, is a fixed amount you pay for services at the time of receiving care. It is a predetermined fee set by your insurance plan, such as $20 for a doctor’s visit or $10 for a prescription. The co-pay amount may vary depending on the type of service provided. Co-pays are separate from deductibles and usually apply even after you have met your deductible.

3. Co-insurance:
Co-insurance is the percentage of healthcare costs that you are responsible for after meeting your deductible. For example, if your insurance plan has an 80/20 co-insurance split, your insurance company will cover 80% of the costs, and you will be responsible for the remaining 20%. Co-insurance applies to covered services and is typically paid until you reach your out-of-pocket maximum.

Network providers: How to navigate in-network and out-of-network care

Network providers are healthcare professionals, hospitals, clinics, and pharmacies that have contracted with your insurance company to provide services at discounted rates. This means that when you seek care from an in-network provider, you will typically pay lower out-of-pocket costs compared to out-of-network providers.

To determine if a healthcare provider is in-network, you can refer to your insurance company’s provider directory or use their online search tool. It’s important to note that networks can vary, so always double-check before scheduling an appointment or receiving any services.

In-network care offers several advantages. Firstly, you will have access to a wide range of providers who have established relationships with your insurance company. Secondly, the negotiated rates between your insurance company and in-network providers are typically lower, resulting in reduced costs for you. Lastly, when you receive care within your network, your insurance company will handle most of the administrative work, including claims processing and billing.

On the other hand, out-of-network care refers to services received from providers who do not have a contract with your insurance company. While some insurance plans may provide limited coverage for out-of-network care, it is important to understand that you will likely be responsible for a larger portion of the costs. Out-of-network care can significantly increase your out-of-pocket expenses, as these providers may charge higher rates and your insurance company may only reimburse a percentage of the costs.

Navigating in-network and out-of-network care requires careful consideration. If possible, it is advisable to choose healthcare providers within your network to optimize your coverage and minimize expenses. However, there may be situations where you need to seek care from an out-of-network provider, such as in emergencies or when specialized treatment is required.

Prior authorization and referrals: Understanding the process

Prior authorization refers to the process of obtaining approval from your insurance provider before receiving certain medical treatments, procedures, or medications. This is typically required for services that are deemed to be non-emergency or potentially costly. It serves as a way for insurance companies to ensure that the recommended treatment is medically necessary and appropriate for your condition.

To initiate the prior authorization process, your healthcare provider will submit a request to your insurance company, providing detailed information about your condition, the proposed treatment, and any supporting documentation such as medical records or test results. The insurance company will then review the request and make a determination on whether to approve or deny the authorization.

It’s important to note that the approval process can take time, ranging from a few days to a few weeks. Therefore, it’s advisable to plan ahead and initiate the prior authorization process well in advance, especially for non-emergency procedures or treatments.

Referrals, on the other hand, are typically required when you need to see a specialist or receive specialized care beyond the scope of your primary care physician. In most health insurance plans, you are required to obtain a referral from your primary care provider before seeing a specialist. This referral serves as a formal request for specialized care and helps ensure that the care you receive is coordinated and appropriate for your specific needs.

To obtain a referral, you will need to schedule an appointment with your primary care physician, who will evaluate your condition and determine whether a specialist’s expertise is necessary. If a referral is deemed necessary, your primary care provider will provide you with a referral letter or an electronic referral that you can use to schedule an appointment with the specialist.

It’s important to understand that not all health insurance plans require referrals for specialist visits. Some plans offer more flexibility, allowing you to see a specialist without a referral. Therefore, it’s crucial to review your insurance policy documents or contact your insurance provider to understand the specific referral requirements of your plan.

Preventive care and wellness programs: Taking advantage of available benefits

Many people are unaware of the valuable benefits that can be accessed through these programs. By understanding and taking advantage of these offerings, you can not only improve your overall health and well-being but also potentially save money in the long run.

Understanding Health Insurance A Comprehensive Guide

Preventive care services are designed to help you stay healthy and detect any potential health issues early on. These services typically include routine check-ups, immunizations, screenings, and counseling. By regularly visiting your primary care physician and utilizing these preventive services, you can catch any health concerns before they become more serious and costly to treat. Furthermore, many insurance plans cover these services at no additional cost, making it even more advantageous to take advantage of them.

Wellness programs, on the other hand, focus on promoting healthy habits and behaviors. These programs may offer incentives and resources to encourage you to engage in activities such as exercise, nutrition counseling, smoking cessation, stress management, and more. By actively participating in these programs, you can improve your overall health and potentially reduce your risk of developing chronic conditions.

To make the most of preventive care and wellness programs, familiarize yourself with the specific offerings provided by your health insurance plan. Review your policy documents or contact your insurance provider to understand what services are covered and any requirements or limitations that may apply. Take the time to schedule routine check-ups and screenings, and consider joining any wellness programs that align with your health goals.

Claims and billing: How to navigate the process

Navigating the claims and billing process can often be one of the most confusing aspects of health insurance. However, with a little understanding and preparation, you can streamline this process and ensure you receive the coverage you are entitled to.

First and foremost, it’s crucial to familiarize yourself with your health insurance policy. Take the time to review the terms and conditions, particularly those related to claims and billing. Understand what services are covered, any deductibles or copayments you may be responsible for, and the process for submitting a claim.

When it comes to submitting a claim, it’s important to do so accurately and promptly. Keep detailed records of all medical expenses, including bills, receipts, and any relevant documentation. This will make the claims process smoother and provide evidence in case of any disputes or discrepancies.

In most cases, healthcare providers will submit claims on your behalf. However, it’s always a good idea to double-check and ensure that they have all the necessary information. This includes your insurance policy details, diagnosis codes, and any other supporting documents required by your insurer.

Once the claim is submitted, it’s important to keep track of its progress. Many insurance companies offer online portals where you can check the status of your claims. If there are any delays or issues, don’t hesitate to reach out to your insurance provider for clarification or assistance.

When it comes to billing, it’s important to review each invoice carefully. Check for any errors or discrepancies, such as duplicate charges or services not covered by your policy. If you have any questions or concerns, contact your healthcare provider or insurance company for clarification.

In some cases, you may receive an Explanation of Benefits (EOB) statement from your insurer. This document outlines the services provided, the amount billed, and the portion covered by your insurance. Review the EOB carefully and compare it to the actual bill you receive from the healthcare provider. If there are any discrepancies, address them promptly to avoid any unnecessary expenses.

Lastly, it’s crucial to keep communication channels open with your insurance provider. If you have any questions or concerns regarding claims or billing, don’t hesitate to reach out to their customer service team. They are there to help you navigate the process and ensure you understand your coverage.

Special considerations: Family coverage, pre-existing conditions, and more

When it comes to health insurance, there are certain special considerations that individuals and families need to be aware of. These considerations can have a significant impact on the coverage and benefits you receive.

One important consideration is family coverage. Many health insurance plans offer the option to include family members under a single policy. This can be particularly beneficial for families with multiple dependents, as it provides a more cost-effective solution compared to individual policies for each family member. However, it’s crucial to carefully review the terms and conditions of family coverage to ensure that it meets the specific needs of your family.

Another significant consideration is pre-existing conditions. A pre-existing condition refers to any health condition or illness that you had before obtaining health insurance coverage. In the past, individuals with pre-existing conditions often faced challenges in obtaining affordable health insurance or were denied coverage altogether. However, with the implementation of the Affordable Care Act in many countries, insurance companies are now required to provide coverage for pre-existing conditions.

It’s important to understand the details surrounding pre-existing conditions coverage, such as waiting periods before the coverage becomes effective, any limitations on coverage related to the pre-existing condition, and whether there are additional premiums or deductibles associated with such coverage. This information will help you make informed decisions when selecting a health insurance plan.

Other special considerations may include coverage for specific treatments or therapies, such as mental health services, maternity care, or alternative medicine. Some plans may have restrictions or limitations on these types of coverage, so it’s crucial to thoroughly review the policy documents and understand what is included and excluded.

Common health insurance misconceptions debunked

Misconceptions about health insurance can lead to confusion and unnecessary stress when navigating coverage options. It’s important to debunk these common misconceptions to help individuals make informed decisions about their healthcare.

Understanding Health Insurance A Comprehensive Guide

One common misconception is that all health insurance plans are the same. In reality, there are various types of health insurance plans, such as Health Maintenance Organizations (HMOs), Preferred Provider Organizations (PPOs), and Exclusive Provider Organizations (EPOs). Each plan differs in terms of network coverage, cost-sharing, and flexibility. Understanding these differences is crucial in choosing a plan that fits your specific needs.

Another misconception is that health insurance covers all medical expenses. While health insurance helps cover a range of healthcare services, it may not cover certain treatments, medications, or elective procedures. It’s important to carefully review your policy to understand what is covered and what might require additional out-of-pocket expenses.

Some individuals believe that they can only seek medical care from doctors within their insurance network. While staying within the network can often result in lower costs, many insurance plans offer out-of-network benefits, allowing individuals to seek care from providers outside of the network. However, it’s important to note that out-of-network care may be subject to higher deductibles and coinsurance.

There is also a misconception that health insurance is too expensive or unaffordable. While it’s true that health insurance can be costly, there are various options available to fit different budgets. Government subsidies, employer-sponsored plans, and marketplace plans offer opportunities to obtain coverage at more affordable rates. Exploring these options and comparing plans can help individuals find a plan that balances cost and coverage.


Navigating the complex world of health insurance can be overwhelming, but with the knowledge gained from this blog post, you can confidently make informed decisions about your coverage. Remember to review your policy, understand the terms and conditions, and utilize the available resources to maximize the benefits that your health insurance offers. Your health and well-being are important, and having a clear understanding of your coverage ensures that you can access the necessary care and support when you need it most. Stay informed, stay healthy!

Read more:
Understanding Behavioral Health: Unmasking The Invisible
Understanding Healthcare: A Comprehensive Guide For Everyone
The Importance Of Health Screening: Things 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