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Understanding The Challenges Faced By Low-Income Medicare Beneficiaries

Understanding The Challenges Faced By Low-Income Medicare Beneficiaries

Medicare is a federal program that provides health coverage for Americans aged 65 and older. While it is designed to provide affordable healthcare for seniors, the reality is that low-income Medicare beneficiaries still face significant challenges. According to a recent study, low-income Medicare beneficiaries are more likely to experience poor health outcomes and have difficulty accessing care. They are also more likely to have chronic conditions that require ongoing care and treatment, but struggle to afford the necessary medications and services. In this post, we will delve deeper into the challenges faced by low-income Medicare beneficiaries, including the costs associated with premiums, deductibles, and co-payments. We will also explore some of the policy solutions that have been proposed to address these issues, and how they could help improve healthcare outcomes for this vulnerable population.

Introduction to the challenges faced by low-income Medicare beneficiaries

When it comes to accessing healthcare services, low-income Medicare beneficiaries often find themselves grappling with a unique set of challenges. These individuals, who are already facing financial constraints, must navigate a complex healthcare system that can be overwhelming and difficult to understand. In this section, we will delve into the various challenges that low-income Medicare beneficiaries encounter daily, shedding light on the realities they face.

One of the primary challenges faced by low-income Medicare beneficiaries is the affordability of healthcare services. With limited financial resources, these individuals may struggle to pay for out-of-pocket expenses, such as co-pays, deductibles, and prescription medications. The cost burden can significantly impact their ability to receive necessary medical treatments and maintain their overall well-being.

Low-income Medicare beneficiaries often encounter difficulties in accessing healthcare providers. Many healthcare providers may not accept Medicare or Medicaid, making it challenging for these individuals to find providers who are willing to treat them. This lack of access to healthcare services can lead to delayed or inadequate care, exacerbating existing health conditions and potentially creating new ones.

Navigating the complex Medicare system can be overwhelming for low-income beneficiaries. Understanding the different parts and eligibility requirements of Medicare, as well as the various coverage options available, can be a daunting task. This lack of understanding may result in individuals not being able to take full advantage of the benefits and services provided by Medicare.

Exploring the financial barriers to healthcare access

One of the primary financial challenges faced by low-income Medicare beneficiaries is the cost of premiums, deductibles, and copayments. While Medicare does provide coverage for certain healthcare services, beneficiaries are often required to pay out-of-pocket expenses. For individuals living on a limited income, these costs can quickly become overwhelming and may force them to make difficult decisions about which medical services they can afford.

Additionally, low-income beneficiaries often struggle with the cost of prescription medications. Medicare Part D provides coverage for prescription drugs, but beneficiaries are still responsible for paying a portion of the cost. This can be particularly burdensome for individuals who require multiple medications to manage chronic conditions.

Another financial barrier to healthcare access is the limited availability of providers who accept Medicare. Some healthcare providers may choose not to accept Medicare due to lower reimbursement rates, leaving beneficiaries with a limited choice of providers. This can lead to longer wait times for appointments and difficulties in accessing specialized care.

Transportation costs can pose a significant challenge for low-income Medicare beneficiaries, particularly those living in rural areas or lacking access to reliable public transportation. The need to travel long distances to reach healthcare facilities can result in additional expenses, making it even more difficult for individuals to access the care they need.

The impact of limited resources on healthcare choices

One of the primary challenges faced by low-income Medicare beneficiaries is the cost of prescription medications. Many vital medications are expensive, and without proper coverage or financial assistance, these individuals may struggle to afford them. As a result, they may be forced to make difficult decisions, such as skipping doses or rationing their medication, which can have serious consequences for their health and well-being.

Understanding The Challenges Faced By Low-Income Medicare Beneficiaries

Limited resources can also hinder their ability to seek preventive care or receive timely medical attention. High deductibles, co-pays, and out-of-pocket expenses can deter beneficiaries from scheduling routine check-ups or screenings, leading to undiagnosed health conditions that may worsen over time. Without early intervention, these individuals may end up requiring more costly and intensive treatments in the future.

Transportation and logistical challenges further compound the impact of limited resources on healthcare choices. Low-income Medicare beneficiaries may struggle to afford transportation to healthcare facilities or face difficulties in finding accessible providers in their area. These barriers can result in delayed or missed appointments, preventing them from receiving the care they need.

The stress and anxiety caused by financial constraints can also take a toll on the mental well-being of low-income Medicare beneficiaries. The constant worry about affording healthcare expenses can lead to increased stress levels and overall poorer health outcomes.

Navigating complex healthcare systems with limited support

Unlike those with higher incomes who may have the resources to hire healthcare advocates or consultants, low-income Medicare beneficiaries often lack the financial means to seek professional assistance. This leaves them to fend for themselves in trying to understand the various programs, policies, and paperwork associated with their healthcare coverage.

One of the biggest hurdles faced by low-income Medicare beneficiaries is the lack of access to reliable information and resources. Many find themselves struggling to decipher the complex terminology used by healthcare providers and insurance companies. Without proper guidance, they may unknowingly miss out on valuable benefits or fail to enroll in programs that could provide much-needed assistance.

Limited support services can make it challenging for low-income Medicare beneficiaries to navigate the intricacies of healthcare systems. They may face long wait times for appointments, encounter language barriers, or struggle to find providers who accept their insurance. These obstacles can lead to delays in receiving necessary care, exacerbating health issues and causing undue stress for individuals who are already facing financial hardships.

To address these challenges, it is crucial for policymakers and healthcare organizations to recognize the unique needs of low-income Medicare beneficiaries and implement measures to provide better support. This can include investing in educational resources that simplify complex healthcare information, improving access to multilingual assistance, and expanding outreach programs to ensure that individuals are aware of the available resources and benefits.

Addressing the lack of affordable prescription medications

One effective solution is to explore options for generic medications. Generic drugs, which have the same active ingredients as their brand-name counterparts, are often significantly more affordable. Encouraging low-income Medicare beneficiaries to discuss generic alternatives with their healthcare providers can help identify cost-saving options without compromising the quality of care.

Another avenue to explore is prescription assistance programs. These programs, often provided by pharmaceutical companies, nonprofit organizations, or government agencies, offer financial assistance or discounts for medications. Low-income Medicare beneficiaries should be informed about the availability of such programs and guided through the application process to ensure they can access the medications they need at reduced costs.

Promoting transparency in drug pricing can help shed light on the exorbitant costs associated with certain medications. Encouraging legislative measures that require pharmaceutical companies to disclose pricing information can empower both low-income Medicare beneficiaries and healthcare providers to make informed decisions about prescription drug options.

The struggle for adequate healthcare services in underserved areas

One of the main challenges faced by low-income Medicare beneficiaries in underserved areas is the limited availability of primary care providers. Many healthcare deserts have a shortage of doctors, nurses, and other healthcare professionals, making it difficult for individuals to receive timely and comprehensive medical care. This shortage not only creates long wait times for appointments but also limits the options for specialized care.

The lack of healthcare facilities in these areas exacerbates the challenge. Low-income Medicare beneficiaries often have to travel long distances to access necessary medical services. This can be particularly burdensome for individuals with limited mobility or those who rely on public transportation. The time and cost associated with traveling to healthcare facilities can act as a barrier, preventing individuals from seeking the care they need.

Additionally, the limited resources available in underserved areas contribute to the struggle for adequate healthcare services. These areas often lack the necessary infrastructure, medical technologies, and funding to provide high-quality care. As a result, low-income Medicare beneficiaries may not have access to the same level of healthcare services as those in more affluent areas.

The role of social determinants of health in exacerbating disparities

Low-income Medicare beneficiaries often face significant barriers related to social determinants of health that can hinder their access to quality healthcare. These determinants include socioeconomic status, education level, employment opportunities, housing stability, access to healthy food, transportation options, and community safety.

Understanding The Challenges Faced By Low-Income Medicare Beneficiaries


For example, individuals with limited financial resources may struggle to afford necessary medications or healthcare services, leading to delayed or inadequate treatment. Limited education and health literacy can also impede their ability to navigate the complex healthcare system, understand medical instructions, or make informed decisions about their care.

The quality and safety of the neighborhoods in which low-income beneficiaries reside can directly impact their health outcomes. Those living in disadvantaged communities may face higher levels of crime, violence, pollution, and limited access to parks or recreational facilities. These environmental factors contribute to increased stress levels, chronic health conditions, and decreased overall well-being.

Addressing the social determinants of health is crucial to reduce disparities among low-income Medicare beneficiaries. It requires a comprehensive approach that extends beyond the healthcare system and involves collaborations with various sectors, including housing, education, transportation, and community development.

Examining the psychological toll of financial insecurity on beneficiaries

For many individuals living on a limited income, the constant worry about making ends meet and the fear of not being able to afford necessary healthcare services can be overwhelming. The stress and anxiety associated with financial insecurity can lead to feelings of helplessness, hopelessness, and even depression.

Imagine being in a position where you have to choose between paying for essential medications or putting food on the table. This constant juggling of basic needs can create a sense of powerlessness and frustration. These individuals may experience a loss of control over their own lives, which can lead to feelings of low self-worth and a lack of confidence in their ability to improve their situation.

Furthermore, the psychological toll of financial insecurity can extend beyond the individual beneficiaries and impact their relationships with family and friends. The stress and strain of financial struggles can create tension within households, leading to increased conflicts and strained dynamics.

It is important for policymakers, healthcare providers, and community organizations to recognize and address the psychological impact of financial insecurity on low-income Medicare beneficiaries. By offering support programs, financial counseling, and access to affordable healthcare options, we can alleviate some of the burdens faced by these individuals and help improve their overall well-being.

Policy recommendations to improve healthcare access for low-income Medicare beneficiaries

Here are some key suggestions that can help address the challenges faced by this vulnerable population.

  1. Expand Medicaid eligibility:
    Many low-income Medicare beneficiaries fall into the coverage gap, where they do not qualify for Medicaid but still struggle to afford healthcare. Expanding Medicaid eligibility criteria can ensure that more individuals have access to affordable healthcare services.
  2. Increase funding for Medicare Savings Programs (MSPs):
    MSPs provide financial assistance to low-income Medicare beneficiaries by helping cover premiums, deductibles, and co-pays. Allocating additional funds to these programs can alleviate the financial burden on individuals who struggle to afford necessary healthcare services.
  3. Enhance outreach and education efforts:
    Many low-income Medicare beneficiaries are not aware of the available resources and support services. Implementing targeted outreach and education campaigns can help disseminate information about healthcare benefits, eligibility criteria, and enrollment processes, ensuring that individuals are aware of the assistance available to them.
  4. Improve coordination between Medicare and Medicaid:
    The coordination between Medicare and Medicaid can be challenging, often resulting in gaps in coverage and confusion for beneficiaries. Streamlining the enrollment process and enhancing communication between the two programs can help ensure seamless transitions and continuity of care for low-income individuals.
  5. Expand telehealth services:
    Telehealth has emerged as a critical component of healthcare delivery, especially during the COVID-19 pandemic. Expanding access to telehealth services for low-income Medicare beneficiaries can overcome barriers related to transportation and mobility, ensuring they can receive necessary care without additional financial strain.
  6. Address social determinants of health:
    Low-income individuals often face multiple social determinants of health, such as food insecurity, housing instability, and limited access to transportation. Implementing policies that tackle these underlying factors can significantly improve the overall health and well-being of low-income Medicare beneficiaries.

Conclusion

It is crucial to understand the realities and obstacles faced by these individuals as we strive for a more inclusive and equitable healthcare system. By recognizing and addressing these challenges, we can work towards improving access to quality healthcare for all. Let us continue advocating for change and supporting policies that prioritize the well-being of low-income Medicare beneficiaries. Together, we can make a difference.

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TEAMedicare website is operated by TEAMedicare, LLC a licensed health insurance agency.

The purpose of this communication is the solicitation of insurance. Contact will be made by an insurance agent/producer or insurance company.

Medicare supplement plans are not connected with or endorsed by the U.S. Government or the federal Medicare program.

Medicare supplement insurance is available to those age 65 and older enrolled in Medicare Parts A and B and in some states to those under age 65 eligible for Medicare due to disability or End Stage Renal disease. Medicare supplement plans are not connected with or endorsed by the U.S. government or federal Medicare program.

For a complete list of available plans please contact 1-800-MEDICARE (TTY users should call 1.888.441.0210), 24 hours a day/7 days a week or consult www.medicare.gov.

The plans we represent and their subsidiaries do not discriminate on the basis of race, color, national origin, age, disability, sex, sexual orientation, gender identity, or religion.

Other Pharmacies, Physicians, Providers are available in the Humana network.

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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

LAST UPDATED: 6/18/21

This website is operated by TEAMedicare, LLC.

Please read these Terms of Service (the “Agreement”) carefully. Your use of the Site constitutes your legal consent to be bound by this Agreement.

Welcome, and thank you for your interest in TEAMedicare, LLC (“Us,” “Our,” or “We” (whether capitalized or not)) and our other websites where we post this document as the applicable terms of service, along with any related websites, networks, applications, insurance agent and representative services, and communication channels (including online chat and telephone call centers), and other services provided by us (collectively, our “Service” or “Services”).

For purposes of this Agreement, “you” or “your” (whether capitalized or not) means the person(s) using the Services or the products or services offered through this Site.

The “Site” means all the content, services and products available on the websites, applications, emails, widgets or other media through which you accessed this Agreement. The Site provides you with access to certain services, such as referrals to products, services, and service providers that may be of interest to you (the “Site Services“), and to certain content provided by us or by third parties (the “Site Content“).

These Terms of Service are a legally binding contract between you and Us regarding your use of the Service and the Site.

BY CLICKING “SEE PLANS” OR ANOTHER BUTTON WHILE USING THE SERVICES TO SUBMIT YOUR INFORMATION TO US OR BY OTHERWISE USING THE SERVICE, YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTOOD, AND AGREE TO BE BOUND BY THE FOLLOWING TERMS AND CONDITIONS, INCLUDING OUR PRIVACY POLICY (TOGETHER, THE “TERMS”).

THIS AGREEMENT CONTAINS AN AGREEMENT TO ARBITRATE ALL CLAIMS (PLEASE SEE SECTION 19). EXCEPT IF YOU OPT-OUT AND EXCEPT FOR CERTAIN TYPES OF DISPUTES DESCRIBED IN THE ARBITRATION SECTION BELOW, YOU AGREE THAT DISPUTES BETWEEN YOU AND US WILL BE RESOLVED BY BINDING, INDIVIDUAL ARBITRATION AND YOU WAIVE YOUR RIGHT TO PARTICIPATE IN A CLASS ACTION LAWSUIT OR CLASS-WIDE ARBITRATION. Your rights will be determined by a NEUTRAL ARBITRATOR and NOT a judge or jury.

You also agree that We may (1) call and text you regarding Our Services, and (2) monitor and record any telephone calls made or received by Us for Our business purposes, including for quality assurance purposes.

Table of Contents:

  1. Modification of Terms
  2. Your Access and Use of the Site
  3. Information you Submit Through the Services
  4. Authorization to Contact
  5. Services and Content Offered Through the Services
  6. Rules of Conduct
  7. Jurisdictional Issues
  8. Links to Third Party Sites
  9. Registration; Usernames and Passwords
  10. No Advice
  11. Submissions
  12. Payment
  13. Proprietary Rights
  14. Consent to Electronic Disclosures and Signatures
  15. DISCLAIMER OF WARRANTIES
  16. LIMITATION OF LIABILITY
  17. Indemnification
  18. RELEASE
  19. ARBITRATION
  20. Claims of Copyright Infringement
  21. Governing Law
  22. Advertising Disclaimers
  23. Data Processed in the United States
  24. Severability and Enforceability
  25. Product Restrictions

  1. Modification of Terms. We reserve the right to modify this Agreement from time to time without notification. Your use of the Services after such a modification will constitute your acceptance of those changes. We may notify you of any such changes by any reasonable means, including by posting the revised version of this Agreement to the Services. You can determine when we last changed this Agreement by referring to the “LAST UPDATED” date above.

  2. Your Access to and Use of the Services. Your access to and use of the Services may be interrupted from time to time, including due to technical malfunctions, periodic updating and repairs. We may, at any time, modify or discontinue all or part of the Services, charge, modify or waive any fees required to use the Services, or offer opportunities to some or all Service users. We may, in our discretion and without notice, suspend or terminate your access to the Services and to any Site Content offered through the Services, and may remove and delete any content you have provided if we believe that your conduct or content violates or is inconsistent with this Agreement or its intent, that your conduct is disruptive, or that you have violated any laws or the rights of any third parties.

  3. Information you submit through the Services. To use certain features of the Services, you may be required to submit information to us, including personally identifying information. Our use and disclosure of any information you submit through the Services is governed by this Agreement and our Privacy Policy You agree that all information you provide to us is true, accurate, and complete and that you will not misrepresent your identify, impersonate any third party or enter information on behalf of any third party. You also agree to update such information regularly to keep it current.

  4. Authorization to Contact. You understand and agree that by providing us with a telephone number and other contact information, you agree to receive communications, including via-email, texts, and calls (including text messages and calls made using an autodialer or prerecorded voice message), from us or on our behalf (or Our affiliates, subsidiaries, employees, contractors, agents, business partners or other third parties permitted to receive your information under the Privacy Policy and Companies at the email address or telephone number you provided, even if that number is on a National or State Do Not Call List. These calls may be for informational and marketing purposes, such as to provide you with information about our services and your insurance options, for assistance with applications, and to provide reminders of deadlines. You are not required to provide your consent to these calls as a condition of any purchase through us, and you may revoke any consent for marketing messages, phone calls or text messages as described below. Standard text messaging and telephone minute charges applied by your cell phone carrier will apply. We may monitor and/or record telephone conversations for our business purposes, such as quality assurance and training purposes and to protect our rights and the rights of others.

    4.1    Opt-Out. IF YOU WISH TO OPT OUT OF MARKETING EMAILS, YOU CAN UNSUBSCRIBE BY FOLLOWING THE UNSUBSCRIBE OPTIONS PROVIDED IN THE EMAIL. IF YOU WISH TO OPT OUT OF TEXTS, YOU MAY REPLY “STOP” FROM THE MOBILE DEVICE RECEIVING THE MESSAGES. IF YOU WISH TO OPT OUT OF MARKETING CALLS OR CALLS TO A WIRELESS NUMBER, THEN YOU MAY MAKE A DO NOT CALL REQUEST EITHER DURING A CALL YOU RECEIVE FROM US OR BY CALLING 1-888-799-9919, YOU MAY ALSO EMAIL US AT Teamedicare@outlook.com WITH A REQUEST TO STOP RECEIVING SUCH TEXTS OR CALLS AT THE PHONE NUMBER YOU PROVIDE IN YOUR EMAIL. NOTE THAT OPTING OUT OF OUR MARKETING COMMUNICATIONS DOES NOT OPT YOU OUT OF MARKETING COMMUNICATIONS FROM INSURANCE CARRIERS (“CARRIERS”) WITH WHOM WE SHARE YOUR INFORMATION. TO OPT OUT OF SUCH COMMUNICATIONS FROM CARRIERS, PLEASE CONTACT THE CARRIERS DIRECTLY.

    4.2    You understand and agree that you may: (i) continue to receive communications while we process your opt-out request, (ii) receive a communication confirming the receipt of your opt-out request, and (iii) after opting out of receiving marketing messages, continue to receive certain non-marketing communications by email or to a non-wireless number, such as confirmations or updates related to your account, insurance application or policy, or transactions through the Service. You may also manage your communication preferences as set forth in Section 4.3 below.

    4.3    Updating Information. You may correct or update your contact information, by contacting us at Teamedicare@outlook.com or by mail at Sales Support at

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

    Additionally, once you have created an account with us online at clearmatchmedicare.com or through one of our other Services that allow account creation, you may update your name, email address, phone number (if part of your account) and password by clicking on the “My Account” or “Log In” or similar link available on the Services and signing in using your email address and password.

  5. Services and Content Offered Through the Services. PLEASE READ THE FOLLOWING CAREFULLY:

    The Services permit consumers and businesses to research and shop for various insurance and related products. We are not an insurance company. The Services introduce users to insurance and related products offered by third parties. DO NOT CANCEL ANY EXISTING INSURANCE UNTIL YOU RECEIVE WRITTEN CONFIRMATION FROM THE INSURANCE COMPANY TO WHICH YOU ARE APPLYING THAT YOUR NEW POLICY IS IN EFFECT. We are not responsible for any issues associated with buying or transferring new or existing insurance policies.

    Transfer of your information. In submitting a request for insurance (“Request”) to us, We may collect from you or otherwise obtain your name, address, telephone number, date of birth, and other information to allow us to verify your identity and match you with Carriers or send your information to Carriers. In submitting a Request through the Services, you agree to allow us to transfer all of your information, in connection with your Request to Carriers. If any Carrier(s) wish to provide information to you in connection with your Request, you will be contacted by the Carrier(s) who may keep your Request information and any other information provided by us in connection with your Request whether or not they offer you a plan. Please notify the Carrier(s) directly if you no longer wish to receive communications from them.

    No endorsements or recommendations. In working with Carriers, we seek to work with companies that are reputable and professional; however, we strongly recommend that you perform your own due diligence for each potential Carrier and plan prior to selecting and/or entering into any type of agreement or other arrangement with any particular Carrier. In addition, once we refer your Request to the Carrier(s), the Carrier will evaluate your Request, and we have no further involvement in any transactions that occur between you and the Carrier. We neither recommend nor endorse any specific products, plans, opinions, or other services that may be made available through or mentioned through the Services.

    WE ARE NOT RESPONSIBLE OR LIABLE FOR ANY CARRIER’S ACTS OR OMISSIONS INCLUDING FOR ANY QUOTES, PLAN INFORMATION, PRICING, PREMIUMS, OR SERVICES THAT ANY SUCH CARRIER MAY PROVIDE, FOR ANY CARRIER ‘S CONTACTING OR FAILURE TO CONTACT YOU, FOR ANY CARRIER ‘S PERFORMANCE OR FAILURE TO PERFORM ANY SERVICES, OR FOR ANY AGREEMENT OR TRANSACTION BETWEEN YOU AND ANY CARRIER.

  6. Rules of Conduct.

    1. You must be at least 18 years of age to use the Services. By agreeing to these Terms, you represent and warrant to us that: (a) you are at least 18 years of age; (b) you have not previously been suspended or removed from the Services; and (c) your registration and your use of the Services is in compliance with all applicable laws and regulations.
    2. You must not post violent, nude, partially nude, discriminatory, unlawful, infringing, hateful, pornographic or sexually suggestive photos or other similar content via the Services.
    3. You are responsible for any activity that occurs through your account and you agree you will not sell, transfer, license, or assign your account, followers, username, or any account rights to another person. With the exception of people or businesses that are expressly authorized to create accounts on behalf of their employers or clients, You agree that you will not create an account for anyone other than yourself. By using the Services, You represent that all information you provide upon registration and at all other times will be true, accurate, current and complete.  You also agree to update your information as necessary to maintain its truth and accuracy.
    4. You must not solicit, collect, or use the login credentials of other Service users.
    5. You must not use the Services to defame abuse, harass, stalk, threaten or otherwise violate the legal rights of others, including others’ privacy rights or rights of publicity, or harvest, or collect personally identifiable information about other users of the Services.
    6. You must not use the Services for any illegal or unauthorized purpose. You agree to comply with all laws, rules and regulations (including federal, state, local and provincial) applicable to your use of the Services, including all copyright laws.
    7. You are solely responsible for your conduct and any data, text, files, information, usernames, images, graphics, photos, profiles, audio and video clips, sounds, musical works, works of authorship, applications, links, and other content or materials that you submit, post or display on or via the Services.
    8. You must not interfere or disrupt the Services, servers, or networks connected to the Services, including by transmitting any worms, viruses, spyware, malware or any other code of a destructive or disruptive nature. You may not inject content or code or otherwise alter or interfere with the way the Services are rendered or displayed in a user’s browser or device.
    9. You must not use any robot, spider, site search/retrieval application or other manual or automatic device to retrieve, index, “scrape,” “data mine” or in any way gather Service content or reproduce or circumvent the navigational structure or presentation of the Services without Our express prior written consent. Notwithstanding the immediately foregoing sentence (but subject to the other items listed above), We grant the operators of public search engines permission to use spiders to copy materials from the Services for the sole purpose of and solely to the extent necessary for creating publicly-available searchable indices of such materials, but not caches or archives of such materials. We reserve the right to revoke these exceptions without notification, either generally or in specific cases, at any time.
    10. You must not restrict or inhibit any other person from using the Services (including by hacking or defacing any portion of the Services).
    11. You must not reproduce, duplicate, copy, sell, resell or otherwise exploit for any commercial purposes, any portion of, use of, or access to the Services.
    12. Except as expressly permitted by applicable law, you must not modify, adapt, translate, reverse engineer, decompile or disassemble any portion of the Services.
    13. You must not remove any copyright, trademark or other proprietary rights’ notices from the Site or Service or materials originating from the Site or Service.
    14. You must not frame or mirror any part of the Site or Service without Our express prior written consent.
    15. You must not create a database by systematically downloading and storing all or any Site or Service content.
    16. You must not perform any fraudulent activity including impersonating any person or entity, claiming a false affiliation, accessing any other account without permission, or falsifying your age or date of birth.
    17. You must not use the Site or Service for any illegal purpose or in violation of any local, state, national, or international law.

  7. Jurisdictional Issues. The Services are controlled and/or operated from the United States and are not intended to subject Us to non-U.S. jurisdiction or laws, except as otherwise expressly stated in this Agreement. The Services may not be appropriate or available for use in some jurisdictions outside of the United States. In choosing to access the Services, you do so on your own initiative and at your own risk, and you are responsible for complying with all local laws, rules and regulations, including any export controls, embargoes or other rules and regulations restricting exports. We may limit the Services’ availability, in whole or in part, to any person, geographic area or jurisdiction we choose, at any time and in our sole discretion.

  8. Links to Third-Party Sites. The Services may provide links to external websites or resources for your convenience and reference only. We do not endorse these websites or resources. We are not responsible for the availability of these external websites or resources or for any content, advertising, products, or other materials on or available from such external websites or resources. Your use of and dealings with the owners or operators of these external websites or resources are at your own risk. You cannot make any claim against us, or our service providers arising out of your use of external websites or resources.

  9. Registration; Usernames and Passwords. You may be required to register with Us in order to access certain Services or areas of the Services. With respect to any such registration, We may refuse to grant you, and you may not use, a username (or email address) that violates the intellectual property or other rights of any person; that is offensive; or that We reject for any other reason in Our sole discretion. Your username and password are for your personal use only, and not for use by any other person. You are responsible for maintaining the confidentiality of any password you may use to access the Services, and You agree not to transfer your password or username, or lend or otherwise transfer your use of or access to the Services, to any third party. You are fully responsible for all interaction with the Services that occurs in connection with your password or username. You agree to immediately notify Us of any unauthorized use of your password or username or any other breach of security related to your account or the Services, and to ensure that you “log off”/exit from your account with the Services (if applicable) at the end of each session. We are not liable for any loss or damage arising from your failure to comply with any of the foregoing obligations.

  10. No Advice.The Site Content is for informational purposes only. No item is intended to be a substitute for professional medical advice, diagnosis, or treatment. Always seek the advice of your physician or other qualified health provider with any questions you may have regarding a medical condition. Never disregard professional medical advice or delay in seeking it because of something you have read on the Services. If you think you may have a medical emergency, call your doctor or 911 immediately. We do not recommend or endorse any specific tests, physicians, products, procedures, opinions, insurance coverage or other information that may be mentioned on the Services. Reliance on any information provided by Us, Our employees, or other visitors to the Services is solely at your own risk.

  11. Submissions. For purposes of clarity, you retain ownership of any information, content and/or materials that you submit through the Services (each, a “Submission“). Please note, however, that we need certain rights to your Submissions to be able to make them available through the Services. Accordingly, you hereby grant to Us a worldwide, non-exclusive, transferable, sublicenseable (through multiple tiers), royalty-free, perpetual, irrevocable right and license, without compensation to you to use, reproduce, distribute, adapt (including edit, modify, translate, and reformat), create derivative works of, transmit, publicly display, publicly perform and otherwise exploit such Submission, in any media now known or hereafter developed. For each Submission, you represent and warrant that you have all rights necessary for you to grant the licenses granted in this section, and that such Submission, and your provision thereof to and through the Services, comply with all applicable laws, rules and regulations. Further, to the extent permitted under applicable law, you irrevocably waive any “moral rights” or other rights with respect to attribution of authorship or integrity of materials regarding each Submission that you may have under any applicable law under any legal theory. We request this waiver to help ensure that We have all the rights We may need to provide the Services. In addition, We have no control over, and shall have no liability for, any damages resulting from the use (including republication) or misuse by any third party of information voluntarily made public through any other part of the Services. IF YOU CHOOSE TO MAKE ANY OF YOUR PERSONALLY IDENTIFIABLE OR OTHER INFORMATION PUBLICLY AVAILABLE IN A SUBMISSION, YOU DO SO AT YOUR OWN RISK. You acknowledge and agree that We reserve the right (but have no obligation) to do any or all of the following, at its sole discretion: (i) monitor, evaluate or alter Submissions before or after they appear on the Services (including through the use of automated filtering software); and (ii) refuse, reject or remove any Submission at any time or for any reason (including through the use of automated filtering software or if We determine, in our sole discretion, that all rights, consents, releases and permissions have not been obtained by you despite your representations above).

  12. Payment. If you provide payment information for purchasing or applying for a plan, then you will pay the applicable Carrier that provides such plan.

  13. Proprietary Rights. All of the material included on the Services, including trademarks, text, graphics, logos and service marks, is Our property and may be the property of other parties, such as Carriers featured through the Services. U.S. and international copyright laws protect all Service Content available through the Services. Your use of the Services and the Site Content does not transfer to you any ownership or other rights in the Services or the Site Content. You may download Site Content displayed on the Services for your personal, noncommercial use only, provided you also retain all copyright and other proprietary notices contained on the Site Content. You may not modify, copy, distribute, transmit, display, publish, sell, license, or create derivative works using any of the Site Content for commercial or public purposes.

  14. Consent to Electronic Disclosures and Signatures. You agree that all agreements, notices, disclosures and other communications that we provide to you electronically satisfy any legal requirement that such communications be in writing.  Your consent to receive communications and to do business electronically applies to communications related to all Services we may make accessible or available, or offer to you, whether through a website, software application, email, messaging services (including text messages), or otherwise.

    If you submit a request to be matched with one of the Carriers featured through the Services, please note that these Carriers are required by law to provide you with certain communications, notices, disclosures, information and other materials (“Communications“). These Carriers must obtain your consent in order to provide you with these Communications electronically. By submitting a request to be matched with one of the Carriers, you affirmatively consent and agree to receive all Communications required under law electronically.

  15. DISCLAIMER OF WARRANTIES. YOU EXPRESSLY AGREE THAT USE OF THE SERVICES IS AT YOUR OWN RISK. WE PROVIDE THE SERVICES ON AN “AS IS” BASIS. WE AND OUR SERVICE PROVIDERS EXPRESSLY DISCLAIM ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT. WE AND OUR SERVICE PROVIDERS MAKE NO WARRANTY THAT THE SERVICES WILL MEET YOUR REQUIREMENTS, OR THAT THE SERVICES WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR FREE; NOR DO WE OR OUR SERVICE PROVIDERS MAKE ANY WARRANTY AS TO THE RESULTS THAT MAY BE OBTAINED FROM THE USE OF THE SERVICES, AS TO CONFIDENTIALITY OR PRIVACY OF ANY YOUR INFORMATION REGISTRATION DATA, EXCEPT AS SET FORTH IN OUR PRIVACY POLICY OR AS TO THE ACCURACY OR RELIABILITY OF ANY INFORMATION OBTAINED THROUGH THE SERVICES. ANY MATERIAL OR DATA DOWNLOADED OR OTHERWISE OBTAINED THROUGH THE USE OF THE SERVICES IS DONE AT YOUR OWN DISCRETION AND RISK AND YOU ARE SOLELY RESPONSIBLE FOR ANY DAMAGE TO YOUR COMPUTER SYSTEM OR LOSS OF DATA THAT RESULTS FROM THE DOWNLOAD OF SUCH MATERIAL OR DATA. WE AND OUR SERVICE PROVIDERS MAKE NO WARRANTY REGARDING ANY GOODS OR SERVICES PURCHASED OR OBTAINED THROUGH THE SERVICES OR ANY TRANSACTIONS ENTERED INTO THROUGH THE SERVICES AND ARE NOT RESPONSIBLE FOR OTHER USERS. NO ADVICE OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED BY YOU FROM US, AFFILIATES OR THROUGH THE SERVICES, SHALL CREATE ANY WARRANTY NOT EXPRESSLY MADE HEREIN. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES, SO SOME OF THE ABOVE EXCLUSIONS MAY NOT APPLY TO YOU.

    While We take commercially reasonable steps to safeguard and to prevent unauthorized access to your information and registration data, we cannot be responsible for the acts of those who gain unauthorized access, and we make no warranty, express, implied, or otherwise, that we will prevent unauthorized access to your private information. IN NO EVENT SHALL WE BE LIABLE FOR ANY DAMAGES (WHETHER CONSEQUENTIAL, DIRECT, INCIDENTAL, INDIRECT, PUNITIVE, SPECIAL OR OTHERWISE) ARISING OUT OF, OR IN ANY WAY CONNECTED WITH, A THIRD PARTY’S UNAUTHORIZED ACCESS TO YOUR INFORMATION OR REGISTRATION DATA, REGARDLESS OF WHETHER SUCH DAMAGES ARE BASED ON CONTRACT, STRICT LIABILITY, TORT OR OTHER THEORIES OF LIABILITY, AND ALSO REGARDLESS OF WHETHER WE WERE GIVEN ACTUAL OR CONSTRUCTIVE NOTICE THAT DAMAGES WERE POSSIBLE.

  16. LIMITATION OF LIABILITY. WE SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL OR CONSEQUENTIAL DAMAGES RESULTING FROM THE USE OR THE INABILITY TO USE THE SERVICES OR FOR COST OF PROCUREMENT OF SUBSTITUTE GOODS AND SERVICES OR RESULTING FROM ANY GOODS OR SERVICES PURCHASED OR OBTAINED OR MESSAGES RECEIVED OR TRANSACTIONS ENTERED INTO THROUGH THE SERVICES OR RESULTING FROM UNAUTHORIZED ACCESS TO OR ALTERATION OF YOUR TRANSMISSIONS OR DATA, INCLUDING DAMAGES FOR LOSS OF PROFITS, USE, DATA OR OTHER INTANGIBLE, EVEN IF WE OR OUR SERVICE PROVIDERS HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES AND REGARDLESS OF THE LEGAL OR EQUITABLE THEORY UPON WHICH THE CLAIM IS BASED. SOME JURISDICTIONS DO NOT ALLOW THE LIMITATION OR EXCLUSION OF LIABILITY FOR INCIDENTAL OR CONSEQUENTIAL DAMAGES SO SOME OF THE ABOVE LIMITATIONS MAY NOT APPLY TO YOU. IN NO EVENT WILL WE EVER BE LIABLE TO YOU OR ANY OTHER PERSON FOR ANY CLAIMS, PROCEEDINGS, LIABILITIES, OBLIGATIONS, DAMAGES, LOSSES, AND COSTS, WHETHER IN CONTRACT, TORT OR UNDER OTHER FAULT OR WRONGDOING BY US OR ANY PERSON FOR WHOM EITHER WE ARE RESPONSIBLE, IN AN AMOUNT EXCEEDING $10,000.00.

  17. Indemnification. You agree to indemnify and hold Us, our subsidiaries, affiliates, officers and employees, Carriers, and service providers harmless from any claim or demand, including reasonable attorneys’ fees, made by any third party due to or arising out of your use of the Services, the violation of this Agreement by you, or the infringement by you, or other user of the Services using your computer, of any intellectual property or other right of any person or entity. Even though prohibited, people may provide information that is offensive, false, harmful, or deceptive. We and Our service providers assume no responsibility whatsoever for such content or actions.

  18. RELEASE. YOU HEREBY RELEASE, REMISE AND FOREVER DISCHARGE US AND OUR SERVICE PROVIDERS AND EACH OF THEIR RESPECTIVE AGENTS, DIRECTORS, OFFICERS, EMPLOYEES, INFORMATION PROVIDERS, SERVICE PROVIDERS, SUPPLIERS, LICENSORS AND LICENSEES, AND ALL OTHER RELATED, ASSOCIATED, OR CONNECTED PERSONS FROM ANY AND ALL MANNER OF RIGHTS, CLAIMS, COMPLAINTS, DEMANDS, CAUSES OF ACTION, PROCEEDINGS, LIABILITIES, OBLIGATIONS, LEGAL FEES, COSTS, AND DISBURSEMENTS OF ANY NATURE AND KIND WHATSOEVER AND HOWSOEVER ARISING, WHETHER KNOWN OR UNKNOWN, WHICH NOW OR HEREAFTER EXIST, WHICH ARISE FROM, RELATE TO, OR ARE CONNECTED WITH YOUR USE OF THE SITE.

  19. ARBITRATION.

    You agree that agree that any dispute or claim arising out of your use of the Services, including any dispute or claim as to the application, enforceability, scope, or interpretation of this agreement to arbitrate, shall be resolved by binding arbitration, rather than in court, except that you may assert claims in small claims court if your claims qualify. The Federal Arbitration Act and federal arbitration law apply to this agreement.

    There is no judge or jury in arbitration, and court review of an arbitration award is limited. However, an arbitrator can award on an individual basis the same damages and relief as a court (including injunctive and declaratory relief, or statutory damages), and must follow these Terms of Service.

    Arbitration shall be administered by the Judicial Arbitration and Mediation Services, Inc. (“JAMS”), pursuant to the most-current JAMS Streamlined Arbitration Rules & Procedures, and conducted by a single, neutral arbitrator. Arbitration shall take place by phone, unless an in-person hearing is requested by either party. In that case, the hearing shall take place in the county where you reside. To the extent this agreement to arbitrate conflicts with the JAMS Policy on Consumer Arbitrations Pursuant to Pre-Dispute Clauses Minimum Standards of Procedural Fairness (the “Minimum Standards”), the Minimum Standards in that regard will apply.

    Disputes may also be referred to another arbitration organization if you and Us agree in writing, or to an arbitrator appointed pursuant to Section 5 of the Federal Arbitration Act.

    We each agree that any dispute resolution proceedings will be conducted only on an individual basis and not in a class, consolidated, or representative action. If for any reason a claim proceeds in court rather than in arbitration, we each waive any right to a jury trial. We also both agree that you or we may bring suit in court to enjoin infringement or other misuse of intellectual property rights.

  20. Claims of Copyright Infringement. The Digital Millennium Copyright Act of 1998 (the “DMCA”) provides recourse for copyright owners who believe that material appearing on the Internet infringes their rights under U.S. copyright law.

    If you believe any Site Content infringes your copyrights, you may request that we remove the Site Content from the Sites (or disable access to that Site Content) by contacting our Designated Agent (identified below) and providing the following information:

    • Identification of the copyrighted work that you believe to be infringed. Please describe the work and, where possible, include a copy or the location (e.g., URL) of an authorized version of the work.
    • Identification of the material that you believe to be infringing and its location. Please describe the material, and provide us with its URL or any other pertinent information that will allow us to locate the material.
    • Your name, address, telephone number, and e-mail address.
    • A statement that you have a good faith belief that the complained of use of the materials is not authorized by the copyright owner, its agent, or the law.
    • A statement that the information that you have supplied is accurate, and indicating that “under penalty of perjury,” you are the copyright owner or are authorized to act on the copyright owner’s behalf.
    • A signature or the electronic equivalent from the copyright holder or authorized representative.

    Notices and counter-notices should be sent to:

    Phone: 1.888.799.9919
    Mon-Fri 9am-9pm 

    Teamedicare@outlook.com

    TEAMedicare Office:

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

    Once notification in accordance with the above is received by the Designated Agent, it is our policy to: (a) remove or disable access to the Site Content; (b) notify the provider of the Site Content or Services user that it has removed or disabled access to such Site Content; and (c) terminate repeat infringers’ access to the Services.

    If you receive a notification of alleged copyright infringement, and believe that the claim is erroneous, you may submit a counter-notification to our Designated Agent within thirty (30) days of the date the Content was removed from the Services. A counter-notification must be a written communication that includes substantially the following:

    • Identification of the material that has been removed or disabled and its location. Please describe the material, and provide us with its URL or any other pertinent information that will allow us to locate the material.
    • Your name, address, telephone number, and e-mail address.
    • A statement “under penalty of perjury” that you have a good faith belief that the material was removed or disabled as a result of mistake or misidentification of the material.
    • A signature or the electronic equivalent of the person submitting the counter-notification.

    Upon receipt of a counter-notification in accordance with the above, We shall promptly provide the complaining party with a copy. The complaining party shall have within ten (10) business days to inform Us that an action has been filed seeking a court order to restrain the alleged infringer from engaging in infringing activity on the Services. If We receive such notification within ten (10) business days, We shall not replace the removed Site Content or cease disabling access to it. If We do not receive such notification from the complaining party that an action has been filed seeking a court order to restrain the alleged infringer from engaging in infringing activity on the Services, then We shall replace the removed Site Content or cease disabling access to it within four (4) business days following the expiration of the ten (10) business day deadline.

    In accordance with the DMCA and other applicable law, We may, in appropriate circumstances, at Our sole discretion, terminate access to the Services of any user that We find to be a repeat infringer. We reserve the right to define the criteria by which We will determine that a user is a “repeat infringer.” In the event that “repeat infringer” is defined by statute, law, or regulation as applicable to 17 USC § 512, We will adopt that definition as a minimum standard. Without limiting Our right to define “repeat infringer,” as a general rule, We will define a “repeat infringer” as any person or entity about whom We has received three or more DMCA notifications of alleged infringement in accordance with the procedures outlined above. We will take into account all relevant facts and circumstances when determining whether or not termination of access and/or use privileges of a “repeat infringer” is appropriate.

    If you believe that a user is a repeat infringer, please follow the instructions above to contact Our Designated Agent and provide information sufficient for us to verify that the user has been determined to be in violation of the DMCA repeatedly.

    We suggest that you consult your legal advisor before submitting a notice or counter-notice.

  21. Governing Law. The Agreement shall be governed by and construed in accordance with the laws of the State of Connecticut (without regard to conflict of law provisions thereof). All disputes arising under, or in any way connected with use of this Site or the Services, shall be litigated exclusively in the state and federal courts residing in the State of Connecticut, and in no other court or jurisdiction. You hereby submit to the jurisdiction of the state and federal courts sitting in Bridgeport, Connecticut.

  22. Advertising Disclaimers. For more information about our advertising content, go to Advertising Disclaimers.

  23. Data Processed in the United States.

    We process data in the United States, and we make no representation that this the Services are appropriate or available for use beyond the United States. If you use the Services from other locations, you are doing so on your own initiative and are responsible for compliance with applicable local laws regarding your online conduct and acceptable content, if and to the extent local laws apply. This Services may describe programs and services that are available only in the United States (or only parts of it). We reserve the right to limit the availability of the Services and/or the provision of any content, programs, service, or other feature described or available through the Services to any person, entity, geographic area, or jurisdiction, at any time and in our sole discretion, and to limit the quantities of any content, program, service, or other feature that we provide.

    If you are in a jurisdiction outside the United States and nevertheless continue to use the Services, your personal information may be transferred into and processed within the United States, and your continued use of the Services constitutes consent to such transfer and processing. Please review our Privacy Policy for additional information on how we process and protect your data.

  24. Severability and Enforceability.

    If any provision or portion of these Terms is held to be illegal, invalid, or unenforceable, in whole or in part, it shall be modified to the minimum extent necessary to correct any deficiencies or replaced with a provision which is as close as is legally permissible to the provision found invalid or unenforceable and shall not affect the legality, validity or enforceability of any other provisions or portions of these Terms.

  25. Product Restrictions.

    Policies and products are not available in all states. Exclusions and misstatement and misrepresentation restrictions may apply. The quote, policy, and plan comparisons and information we provide are furnished by the individual Carrier, and are subject to change without notice and/or underwriting qualification by the specific Carrier to which the application is submitted. A quote should not be construed as a commitment from the Carrier to actually issue that policy or any other policy to you. All quotes that we present are based on the information you have provided us at our request. You are responsible for ensuring that information you provide in connection with any quotation or inquiry through the Services is accurate and up to date. You may change or edit your information at our Services by contacting us via email at Sales@hpone.com.

    For Medicare Supplement Only: To purchase certain insurance policies, you must submit a completed application to the Carrier, which will then review and underwrite your application along with any other information that may be gathered from a variety of sources. Following that review and underwriting analysis, the insurance company will then determine whether you are eligible for insurance and, if so, the precise premium to charge you for the insurance policy you seek. This underwriting process may result in higher or lower premiums than your quote for these policies.

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

DO NOT CANCEL ANY EXISITNG INSURANCE UNTIL YOU RECEIVE WRITTEN CONFIRMATION FROM THE INSURANCE COMPANY TO WHICH YOU ARE APPLYING THAT YOUR NEW POLICY IS IN EFFECT.

Licensing

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.
Alabama261868
Alaska54870
Arizona8726976
Arkansas100102773
California0F30784
Colorado265376
Connecticut2252528
Delaware1041791
DC2834747
FloridaL003887
Georgia116599
Hawaii376496
Idaho138711
Illinois100285664
Indiana38132
Iowa1001003423
Kansas204098658-0
KentuckyDOI-633199
Louisiana332815
MaineAGN150231
Maryland99952580
Massachusetts1886488
Michigan78548
Minnesota 40040992
Mississippi15005672
Missouri8021494
Montana706334
Nebraska100173380
Nevada498885
New Hampshire2001232
New Jersey1067556
New Mexico1800005445
New YorkLA-1024797
North Carolina1000001822
North Dakota20295112
Ohio34232
Oklahoma100100439
Oregon100167999
Pennsylvania457075
Rhode Island2044085
South Carolina1905753648
South Dakota10003612
Tennessee3557
Texas1381772
Utah263678
Vermont725449
Virginia102990
Washington720222
West Virginia100109397
Wisconsin100195816
Wyoming164505

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

    Teamedicare@outlook.com

    .

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

    Teamedicare@outlook.com

     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.

Testimonials

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