Terms of Use Agreement for Medicare Insurance Services

Last Updated: 23 March 2025

Acceptance of Terms

By accessing or using allmedicarians.com (“Service”), you agree to be bound by these Terms of Use between you and All Medicarians (“we,” “us”). This Agreement governs all Medicare plan comparisons, enrollment services, and educational content provided through our Service.

Medicare-Specific Provisions

Eligibility: Service available only to:
✓ Individuals 18+ researching Medicare options
✓ Medicare-eligible beneficiaries (age 65+/disabled/ESRD)
✓ Authorized caregivers/power of attorney holders

Plan Information:
› All Medicare Advantage/Part D/Supplement plan data provided by insurance carriers
› Premiums, formularies, and networks subject to carrier/CMS changes
› Enrollment requires valid Medicare Beneficiary Identifier (MBI)

User Responsibilities

• Provide accurate Medicare/health information for plan matching

• Maintain secure credentials (username/password)

• Report unauthorized account activity immediately

• Comply with all CMS marketing guidelines

Intellectual Property

• All content on allmedicarians.com protected under U.S. copyright

• “All Medicarians” name/logo are registered trademarks

• Prohibited activities include:
  › Scraping plan data for commercial use
  › Modifying/redistributing our Medicare comparison tools

Disclaimers & Limitations

Service Status: We are an independent Medicare insurance marketplace, not:
› A Medicare-contracted insurance carrier
› Affiliated with CMS or Medicare.gov

No Warranties:
› Plan information provided “AS IS”
› We disclaim all accuracy guarantees for carrier-provided data

Liability Cap: Maximum liability limited to $10,000 per claim

Third-Party Services

• Links to Medicare.gov or carrier sites provided for convenience

• We don’t control:
  › Final plan enrollment processes
  › Carrier claim adjudication

Dispute Resolution

• Mandatory individual arbitration (no class actions)

• Arbitration administered by JAMS under Connecticut law

• 60-day pre-filing negotiation requirement

CMS Compliance

We adhere to all Medicare Marketing Guidelines including:
✓ Recording all enrollment calls (for quality assurance)
✓ Maintaining separation between educational/plan-specific content
✓ Providing required disclosures with all marketing materials

Termination

We may suspend accounts for:
› Providing false Medicare eligibility information
› Violating CMS marketing rules
› Attempting fraudulent enrollments

Privacy

Our Privacy Policy governs your use of the Applications and is incorporated into this Agreement.