Terms & Conditions

About Next Step Health Partners

Next Step Health Partners is an independent insurance agency providing educational information and insurance consultation services.

Our website may provide general information regarding Medicare and insurance products, including Medicare Advantage, Medicare Supplement Insurance, prescription drug coverage, Hospital Indemnity Insurance, and other insurance products or services.

The website is intended to help consumers learn about insurance options and request information or consultation.

Acceptance of These Terms

By accessing, browsing, or using this website, you acknowledge that you have read and understood these Terms and agree to comply with them to the extent permitted by applicable law.

If you do not agree with these Terms, you should discontinue use of the website.

Certain services or transactions may be subject to additional terms, applications, authorizations, disclosures, or agreements.

Educational Information Only

Information provided through this website is intended for general educational and informational purposes.

Website content is not intended to constitute:

• A guarantee of insurance coverage
• A guarantee of eligibility
• A guarantee of enrollment
• A guarantee of benefits
• A guarantee of premiums or savings
• A guarantee of plan availability
• A guarantee that a particular insurance product is appropriate for you
• Medical advice
• Legal advice
• Tax advice
• Financial or investment advice

Insurance decisions should be based on applicable insurance company materials, plan documents, policy documents, and your individual circumstances.

Medicare Information

Information regarding Medicare is provided for educational purposes.

Medicare Advantage, Medicare Supplement Insurance, Medicare Part D, and other Medicare-related products are offered subject to applicable federal and state laws, regulations, plan availability, eligibility requirements, enrollment periods, insurance company requirements, and individual circumstances.

Medicare Advantage and Medicare Prescription Drug plans are offered by Medicare-approved private insurance companies.

Plan benefits, premiums, cost-sharing, provider networks, prescription drug coverage, service areas, eligibility requirements, and other terms vary by plan and may change.

Nothing on this website should be interpreted as a representation that a particular Medicare plan will be available to you or that you will qualify for a particular benefit.

Official plan documents, Evidence of Coverage, Summary of Benefits, insurance policies, contracts, and other applicable documents control the terms of coverage.

No Government Affiliation or Endorsement

Next Step Health Partners is an independent insurance agency.

Unless expressly stated otherwise by the applicable government agency, the presence of Medicare-related educational information, government links, or references to Medicare on this website does not constitute government sponsorship, endorsement, approval, or affiliation.

References to Medicare, CMS, government programs, insurance companies, or other organizations are provided for identification, educational, or informational purposes.

Independent Insurance Agency Disclosure

Next Step Health Partners is an independent insurance agency and may represent multiple insurance companies and insurance products.

We do not represent that we offer every Medicare plan or insurance product available in a particular geographic area.

Insurance company and product availability may vary by state, county, ZIP code, service area, eligibility, licensing, appointment status, and other applicable requirements.

Insurance Company and Carrier Information

Next Step Health Partners may provide information regarding insurance companies, plans, policies, and products.

Information displayed or discussed through the website may not represent every available option.

Insurance companies may independently determine eligibility, underwriting, enrollment, effective dates, benefits, premiums, coverage, and other terms according to applicable requirements.

If information on this website differs from an official insurance company document, policy, contract, Evidence of Coverage, Summary of Benefits, or other controlling document, the applicable official document controls.

Plan Availability and Eligibility

Availability of Medicare and insurance products may depend on factors including:

• State of residence
• County
• ZIP code
• Service area
• Medicare eligibility
• Enrollment period
• Age
• Plan requirements
• Insurance company requirements
• Underwriting requirements, where applicable
• Other applicable eligibility criteria

Information available through this website does not guarantee that a particular plan, policy, company, benefit, premium, or product will be available to you.

No Enrollment Through General Website Use

Visiting this website, submitting a general contact form, requesting information, or scheduling a consultation does not by itself enroll you in an insurance plan.

An insurance application or enrollment may require additional information, authorization, consent, verification, eligibility requirements, or other procedures established by the applicable insurance company or government program.

Coverage is not effective unless and until the applicable insurance company or plan has accepted and processed the enrollment or application and applicable effective-date requirements have been satisfied.

Consultations

You may request or schedule a consultation through this website.

A consultation does not guarantee that you will purchase or enroll in an insurance product.

Information discussed during a consultation may be based on information available at the time of the consultation.

Before making an insurance decision, you should review applicable plan or policy documents and disclosures.

Appointment Scheduling

Our website may use third-party appointment scheduling services, including Calendly.

When you schedule an appointment through a third-party service, additional terms and privacy policies of that service may apply.

You are responsible for providing accurate appointment information and attending or appropriately canceling appointments you schedule.

We reserve the right to modify, cancel, or reschedule appointments when reasonably necessary.

Telephone Communications

If you provide a telephone number, we may use that number to respond to your inquiry, communicate regarding a requested consultation, manage appointments, provide customer service, or provide information you have requested.

Telephone communications may include live calls or technology- assisted communications where permitted by applicable law.

Privacy Policy

Your use of this website is also subject to our Privacy Policy.

Our Privacy Policy explains how we may collect, use, maintain, and disclose information.

The Privacy Policy is incorporated into these Terms by reference.

If there is a conflict between these Terms and a legally required privacy notice, the applicable legally required notice will control to the extent required by law.

Personal and Sensitive Information

Please do not submit highly sensitive information through a general website contact form unless we specifically provide a secure method for doing so.

This may include:

• Social Security numbers
• Medicare Beneficiary Identifiers
• Medical records
• Detailed medical histories
• Passwords
• Financial account numbers
• Credit card information
• Banking information
• Other highly sensitive personal information

If sensitive information is required for an insurance application or transaction, we may direct you to an appropriate secure application or insurance-company system.

No Medical Advice

Next Step Health Partners is an insurance agency and is not a medical provider.

Nothing on this website is intended to provide medical diagnosis, treatment, medical recommendations, or medical advice.

Questions regarding medical conditions, medications, treatment, or other healthcare matters should be directed to an appropriately qualified healthcare professional.

Third-Party Websites and Links

Our website may contain links to websites operated by third parties, including Medicare resources, government websites, insurance companies, appointment scheduling services, social media platforms, and educational resources.

Third-party websites are not controlled by Next Step Health Partners.

We do not guarantee the accuracy, availability, security, privacy practices, or content of third-party websites.

Your use of a third-party website is subject to that website's own terms and privacy policies.

Government and Medicare Websites

Links to government or Medicare resources are provided for convenience and educational purposes.

A link to a government website does not mean that the government agency endorses Next Step Health Partners unless expressly stated by that agency.

Where applicable, official Medicare and CMS materials should be consulted for authoritative Medicare information.

Website Content and Accuracy

We make reasonable efforts to provide useful and accurate educational information.

However, insurance products, benefits, premiums, regulations, eligibility requirements, service areas, provider networks, prescription drug formularies, and other information can change.

We do not warrant that all information on the website will always be complete, current, accurate, or error-free.

If you identify information that you believe is inaccurate, you may contact us at 888-807-5221.

Medicare Marketing and Communications

Medicare-related communications and marketing materials may be subject to federal and state laws, regulations, and applicable Medicare marketing requirements.

Certain Medicare communications may require additional disclosures, disclaimers, approvals, permissions, or other information depending on the content, audience, distribution method, product, and applicable requirements.

Where a particular Medicare communication requires a specific disclosure or disclaimer, that disclosure will be provided in the applicable communication or material as required.

This Terms & Conditions page is not intended to replace a disclosure that must appear directly within a particular Medicare marketing communication.

No Guarantee of Results

We do not guarantee that use of this website or consultation with Next Step Health Partners will result in:

• Enrollment in an insurance plan
• Approval for coverage
• A specific premium
• A specific benefit
• A specific level of savings
• Acceptance by an insurance company
• Availability of a particular plan
• A particular insurance outcome

Insurance decisions depend on individual circumstances and applicable plan, policy, carrier, and regulatory requirements.

User-Submitted Information

When you submit information through the website, you represent that the information you provide is accurate to the best of your knowledge and that you have the authority to provide it.

You should not submit information belonging to another person unless you are authorized to do so.

We may rely on information you provide when responding to inquiries or providing requested services.

Electronic Communications

When you communicate with us electronically, including through website forms, email, SMS, or other electronic methods, electronic communications may be used to respond to your request where permitted by applicable law.

Electronic communications may not be completely secure.

You should avoid submitting highly sensitive information through ordinary email, SMS, or unsecured website forms unless specifically instructed to use an approved secure process.

Intellectual Property

Unless otherwise indicated, website content created or provided by Next Step Health Partners, including text, graphics, logos, page designs, images, branding, and other materials, may be protected by applicable intellectual-property laws.

You may access and use the website for personal, informational, and non-commercial purposes.

You may not reproduce, modify, distribute, republish, sell, license, or commercially exploit website content without prior written permission, except where permitted by applicable law.

Third-party trademarks, logos, and brand names remain the property of their respective owners.

Acceptable Use

You agree not to use this website in a manner that:

• Violates applicable law
• Attempts to gain unauthorized access to website systems
• Interferes with website operation
• Introduces malicious software
• Attempts to obtain another person's information without authorization
• Uses automated systems to abuse or overload the website
• Impersonates another person or organization
• Submits false or misleading information
• Uses website content for unlawful purposes
• Attempts to circumvent website security measures

We reserve the right to restrict or terminate access to the website when reasonably necessary to protect the website, our business, users, or third parties.

Accessibility

We strive to make this website accessible and usable by individuals with disabilities.

Our Accessibility Statement describes our accessibility efforts and how to contact us regarding accessibility concerns.

If you experience difficulty accessing website content or services, please contact 888-807-5221.

Website Availability

We attempt to maintain the availability of our website but do not guarantee that the website will always be available, uninterrupted, error-free, or free of harmful components.

Website availability may be affected by maintenance, technical problems, hosting providers, telecommunications networks, cybersecurity incidents, or circumstances outside our reasonable control.

Security

We use reasonable measures designed to protect information within our control.

However, no website, electronic communication system, database, or Internet transmission can be guaranteed to be completely secure.

You use the website at your own risk and should exercise reasonable caution when submitting information electronically.

Disclaimers of Warranties

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

To the extent permitted by law, Next Step Health Partners disclaims warranties that cannot be expressly guaranteed, including warranties regarding:

• Accuracy
• Completeness
• Availability
• Reliability
• Fitness for a particular purpose
• Non-infringement
• Freedom from errors or interruptions

Nothing in these Terms is intended to exclude or limit a warranty or consumer protection right that cannot legally be excluded or limited.

Limitation of Liability

To the fullest extent permitted by applicable law, Next Step Health Partners and its owners, employees, agents, representatives, service providers, and business partners will not be liable for indirect, incidental, special, consequential, or punitive damages arising from or related to your use of the website or reliance on website information.

This may include, to the extent permitted by law, losses resulting from:

• Website interruptions
• Technical failures
• Third-party services
• Third-party websites
• Inaccurate or outdated website information
• Unauthorized access beyond our reasonable control
• Reliance on general educational information
• Insurance plan availability or changes
• Insurance company decisions
• Enrollment outcomes

Nothing in these Terms is intended to limit liability that cannot legally be limited or excluded.

Indemnification

To the extent permitted by applicable law, you agree to be responsible for claims, damages, liabilities, losses, and reasonable expenses arising from your unlawful use of the website, violation of these Terms, or violation of the rights of another person or organization.

This provision does not require you to indemnify Next Step Health Partners for matters that cannot legally be shifted to you.

Dispute Resolution

Before pursuing formal legal action regarding a dispute related to this website, we encourage you to contact Next Step Health Partners at 888-807-5221.

We will make reasonable efforts to understand and resolve legitimate concerns.

Nothing in this section prevents a consumer from exercising a right or pursuing a claim that cannot legally be waived or restricted.

Governing Law

These Terms are intended to be interpreted consistent with applicable federal and state law.

To the extent permitted by applicable law, the laws of the State of Florida may govern matters relating to the website and these Terms, without regard to conflict-of-law principles.

If a particular state law gives you rights that cannot be waived, those rights remain applicable.

Severability

If any provision of these Terms is determined to be invalid, unlawful, or unenforceable, the remaining provisions will remain in effect to the fullest extent permitted by law.

The invalid provision will be interpreted or modified to the minimum extent necessary to make it enforceable, where legally permitted.

No Waiver

A failure to enforce any provision of these Terms does not constitute a waiver of our right to enforce that provision in the future.

Changes to These Terms

We may update these Terms from time to time to reflect changes in our business, website functionality, services, technology, insurance products, applicable laws, regulatory requirements, or communication practices.

When changes are made, we may update the "Effective Date" or "Last Updated" date at the beginning of these Terms.

Your continued use of the website after changes are posted constitutes use of the website under the updated Terms to the extent permitted by applicable law.

Entire Agreement

These Terms, together with our Privacy Policy, Disclaimer, Accessibility Statement, and any additional disclosures, notices, or agreements presented in connection with specific services, constitute the terms applicable to your use of this website, except where another agreement or legally required notice controls.

Insurance applications, policies, plan documents, contracts, carrier agreements, and other transaction-specific documents are governed by their own terms.