Website Disclaimer

1. About Next Step Health Partners

Next Step Health Partners is an independent insurance agency providing insurance education, plan information, and assistance with insurance products for which its licensed agents are authorized and appointed to market or sell.

Our services may include education and assistance concerning Medicare Advantage, Medicare Prescription Drug Plans, Medicare Supplement insurance, and other insurance products, subject to applicable licensing, carrier appointments, service areas, plan availability, and applicable federal and state requirements.

2. Independent Insurance Agency

Next Step Health Partners is not Medicare, the Centers for Medicare & Medicaid Services (CMS), the U.S. Department of Health and Human Services, or any other federal or state government agency.

We are an independent insurance agency and may represent multiple insurance companies and organizations. The companies, plans, and products we represent may vary by state, county, ZIP code, service area, eligibility, plan year, and appointment status.

3. Insurance Solicitation Disclosure

This website may constitute insurance advertising or solicitation when insurance products, benefits, premiums, plan information, or opportunities to speak with a licensed insurance agent are presented.

When discussing or soliciting insurance products, Next Step Health Partners and its licensed agents act in their capacity as insurance agents and may identify the applicable insurance companies, organizations, or risk-bearing entities associated with the products being discussed.

Insurance products are subject to the terms, conditions, limitations, exclusions, underwriting rules, eligibility requirements, and availability established by the applicable insurance company or plan sponsor.

4. No Government Affiliation or Endorsement

Next Step Health Partners is not affiliated with, endorsed by, sponsored by, or otherwise connected with the U.S. government, Medicare, CMS, the Social Security Administration, or any state or federal government agency unless expressly stated.

The use of the terms "Medicare," "CMS," or other government program names on this website is for informational and descriptive purposes and does not imply government endorsement, sponsorship, approval, or affiliation.

5. Medicare Information

Medicare information presented on this website is provided for general educational purposes and may not include every Medicare rule, benefit, limitation, enrollment period, exception, or circumstance.

Medicare rules, premiums, deductibles, cost-sharing amounts, benefits, plan availability, service areas, formularies, provider networks, and other information may change.

Individuals should verify current Medicare information through official Medicare resources and review the applicable plan documents before making an enrollment or coverage decision.

6. Medicare Advantage

Medicare Advantage plans are offered by private Medicare Advantage organizations approved by Medicare. Availability varies by geographic service area and eligibility requirements.

Benefits, premiums, deductibles, copayments, coinsurance, provider networks, prescription drug coverage, prior authorization requirements, referrals, and other plan terms vary by plan and service area.

Information about a particular Medicare Advantage plan should be verified against the plan's current approved materials and applicable plan documents.

7. Medicare Prescription Drug Plans

Medicare Prescription Drug Plans and prescription drug coverage may vary by plan, service area, formulary, pharmacy network, drug tier, deductible, cost-sharing structure, and other plan requirements.

Drug coverage should be confirmed using the applicable plan's current formulary and pharmacy information before enrollment.

8. Medicare Supplement Insurance

Medicare Supplement insurance, also known as Medigap, is private insurance designed to help pay certain health care costs not covered by Original Medicare, subject to the applicable policy terms.

Medicare Supplement plans, premiums, underwriting rules, enrollment rights, availability, and eligibility requirements may vary by state and insurance company.

A Medicare Supplement policy does not replace Medicare Part A or Part B and does not provide Medicare Advantage coverage.

9. Other Supplemental Insurance Products

Next Step Health Partners may also provide information about supplemental insurance products, which may include hospital indemnity, accident, cancer, critical illness, heart and stroke, or other supplemental coverage where appropriately licensed, appointed, and available.

Supplemental insurance products are not Medicare and generally do not replace Medicare coverage. Coverage, benefits, exclusions, limitations, eligibility, and premiums vary by insurance company and policy.

10. Educational Information

Educational content on this website is intended to help consumers better understand Medicare and insurance concepts.

Educational information is not a substitute for reviewing official Medicare materials, plan documents, insurance policies, evidence of coverage, formularies, or other applicable documents.

11. Not Medical Advice

Nothing on this website constitutes medical advice, diagnosis, treatment, or a recommendation concerning medical care.

Questions concerning medical conditions, treatments, medications, or other health-care decisions should be directed to an appropriately qualified health-care professional.

12. Plan and Product Availability

Not all plans or insurance products are available in every location.

Availability may depend on the consumer's ZIP code, county, state, residence, eligibility, enrollment period, plan year, carrier appointment, plan service area, and other applicable requirements.

The appearance of a plan, insurance company, product, benefit, or carrier name on this website does not guarantee that the plan or product is available to every visitor.

13. Prices, Premiums, and Costs

Any premiums, costs, deductibles, copayments, coinsurance, benefits, allowances, savings, or other financial information displayed on this website are subject to change and may vary based on plan, location, eligibility, effective date, and other factors.

Any displayed pricing should be independently verified against current approved plan or policy materials before enrollment.

14. Insurance Company and Policy Information

Insurance coverage is governed by the applicable insurance policy, certificate, evidence of coverage, plan documents, formulary, or other controlling contract documents.

In the event of a conflict between information on this website and an applicable policy or plan document, the controlling insurance or plan document governs.

15. CMS Medicare Marketing and Communications Requirements

Medicare Advantage and Medicare Prescription Drug Plan communications and marketing are subject to applicable federal requirements, including regulations governing Medicare communications and marketing.

Where CMS requires standardized language, materials, disclosures, disclaimers, or other content, Next Step Health Partners will use the applicable CMS-required or CMS-approved language and materials as required.

Carrier-specific marketing rules and approval requirements may also apply. Website content does not replace any required carrier approval, CMS filing, CMS permission, or use of an applicable CMS model or standardized material.

16. Third-Party Marketing Organization (TPMO) Disclosure

Next Step Health Partners may operate as a Third-Party Marketing Organization (TPMO) in connection with the marketing of Medicare Advantage and/or Medicare Prescription Drug Plans.

We do not offer every Medicare plan available in every service area. The Medicare Advantage and Medicare Prescription Drug Plans, organizations, and products represented by Next Step Health Partners vary by geographic service area, including state, county, and ZIP code, as well as plan year, eligibility, carrier appointments, and other applicable requirements.

17. Star Ratings and Other CMS-Required Disclosures

When Medicare plan Star Ratings, special supplemental benefits, provider relationships, out-of-network provider information, promotional giveaways, accommodations, or other information that triggers a CMS-required disclaimer is presented, the applicable CMS-required disclaimer will be provided in the required form and manner.

CMS-required disclaimers may apply to specific advertisements, electronic communications, webpages, plan comparisons, educational events, social media, or other marketing materials.

18. Advertising and Marketing

Insurance advertising must be accurate, clear, and not misleading.

Benefits, premiums, savings, availability, comparisons, testimonials, plan features, or other insurance statements should not be interpreted outside the context in which they are presented.

Certain insurance advertisements and marketing materials may require review or prior approval by the applicable insurance company or plan sponsor before use.

19. No Guarantee of Coverage or Enrollment

Contacting Next Step Health Partners, submitting a form, scheduling an appointment, requesting information, or speaking with an agent does not guarantee eligibility, enrollment, acceptance, coverage, benefits, or issuance of an insurance policy.

Enrollment and coverage are subject to applicable Medicare rules, insurance company requirements, plan requirements, eligibility, enrollment periods, application requirements, and other applicable conditions.

20. Consumer Information

Information submitted through this website may be used to respond to requests for information, communicate about insurance products or services, schedule appointments, and provide requested assistance, subject to applicable law and our Privacy Policy.

Consumers should not submit unnecessary medical, financial, Social Security, Medicare identification, or other highly sensitive information through general website forms unless specifically requested through an appropriate secure process.

21. Telephone Communications

By contacting Next Step Health Partners by telephone, you may communicate with a licensed insurance agent or representative regarding insurance products and services.

Applicable calls may be recorded or monitored where permitted or required by law and applicable Medicare, carrier, or compliance requirements.

22. Text Messages and SMS Communications

If you separately opt in to receive text messages from Next Step Health Partners, messages may include appointment reminders, responses to requests for information, follow-up communications, and other permitted communications.

Message frequency varies. Message and data rates may apply.

You may opt out of SMS messages at any time by replying STOP. For assistance, reply HELP.

SMS consent is not a condition of purchasing insurance or receiving insurance services. SMS consent is separate from general website submission or other forms of communication.

Mobile phone numbers and SMS consent information will not be sold or shared with third parties for their independent marketing purposes.

23. Scope of Appointment and Medicare Sales Discussions

Certain Medicare sales and marketing discussions may be subject to federal requirements concerning the Scope of Appointment (SOA), required disclosures, permitted topics, timing, and documentation.

Where an SOA or other required authorization is applicable, it will be obtained and documented according to applicable Medicare and carrier requirements.

A website inquiry or request for information does not automatically replace a required Scope of Appointment or other applicable authorization.

24. Lead Generation and Contact Requests

When a consumer requests information through a lead form, advertisement, website form, telephone inquiry, or other marketing activity, applicable federal and state requirements concerning disclosure, consent, and use of consumer information will apply.

Where Medicare requirements require disclosure that a beneficiary's information may be provided to a licensed agent for future contact, the applicable disclosure will be provided in the required manner.

25. Third-Party Websites and Services

This website may contain links to third-party websites, including government websites, insurance company websites, scheduling services, analytics providers, or other external services.

Next Step Health Partners does not control third-party websites and is not responsible for their content, privacy practices, availability, security, or terms.

26. Medicare and Government Resources

Consumers may obtain additional Medicare information directly from official government resources, including Medicare.gov and 1-800-MEDICARE.

Government resources may provide information about Medicare options beyond the plans and insurance products represented by Next Step Health Partners.

27. Testimonials and Reviews

Testimonials and reviews, if displayed, represent the experiences or opinions of the individuals providing them.

Individual experiences are not necessarily representative of the experience of every consumer and do not guarantee similar results, savings, coverage, eligibility, or enrollment outcomes.

28. Accessibility

Next Step Health Partners seeks to provide an accessible website and continually works to improve accessibility.

If you have difficulty accessing information on this website, please contact us at 888-807-5221 so we can attempt to provide the information through an alternative method.

29. Website Accuracy and Availability

We make reasonable efforts to keep website information accurate and current; however, information may become outdated, incomplete, or inaccurate.

Website availability, functionality, links, forms, scheduling systems, and third-party services may occasionally be unavailable or interrupted.

30. No Legal or Regulatory Advice

Information on this website is not legal, tax, financial, accounting, medical, or regulatory advice.

Consumers and businesses should consult an appropriately qualified professional for advice concerning their individual circumstances.

31. Privacy Policy

Information collected through this website is handled according to the Next Step Health Partners Privacy Policy.

Please review our Privacy Policy for information concerning collection, use, disclosure, retention, communications, cookies, analytics, SMS, and consumer privacy choices.

32. Terms and Conditions

Use of this website is also subject to our Terms and Conditions .

33. Changes to This Disclaimer

Next Step Health Partners may update this Disclaimer from time to time to reflect changes in law, regulations, CMS guidance, insurance requirements, business practices, technology, or website functionality.

The updated version will be posted on this website with the applicable effective or updated date.

34. Compliance With Applicable Requirements

Nothing in this Disclaimer is intended to waive, replace, modify, or limit any requirement imposed by applicable federal or state law, regulation, CMS guidance, Medicare requirements, insurance company requirements, carrier contracts, licensing requirements, or other applicable regulatory authority.

Where a specific law, regulation, CMS requirement, standardized material, carrier requirement, or approved communication requires language or treatment different from information on this website, the applicable controlling requirement will govern.

35. Florida Insurance Compliance

When operating in Florida, Next Step Health Partners and its licensed agents intend to comply with applicable Florida insurance laws and regulations governing insurance solicitation, advertising, licensing, appointments, representations, and unfair or deceptive insurance practices.

Insurance advertisements and communications must not contain false, deceptive, misleading, or materially inaccurate representations concerning insurance products, benefits, premiums, coverage, or government affiliation.

36. No Guarantee of Complete Regulatory Coverage

This website Disclaimer is intended to communicate important legal, regulatory, insurance, Medicare, and consumer-information notices. It is not represented as a complete statement of every federal, state, local, CMS, carrier, or industry requirement that may apply to a particular communication or activity.

Different requirements may apply depending on the state, insurance product, Medicare program, carrier, advertisement, communication method, consumer, service area, and circumstances.

37. Contact Next Step Health Partners

If you have questions about information presented on this website, please contact Next Step Health Partners.

Next Step Health Partners
Your Next Step in Insurance
Phone: 888-807-5221