Disclaimer

Independent agent status

Instant Health Coverage is an independent, licensed health insurance agency. We are not a government agency, and we are not affiliated with, endorsed by, or acting on behalf of the federal government, the Centers for Medicare & Medicaid Services (CMS), Medicare.gov, Social Security, the Health Insurance Marketplace, or HealthCare.gov. We do not offer every plan available in your area. Any information we provide is not a complete listing of all options.

Scope of Appointment

As required by law, we will complete a Scope of Appointment with you before discussing the details of any specific Medicare plan. This form documents the products you have agreed to discuss and protects you from being presented with plans you did not ask about.

Consent to be contacted

Any information you give us — online through this website, by phone, by text message, by email, or in person — is provided voluntarily so that we can help you with your health insurance questions and enrollment. By submitting your information to us through any of these pathways, you agree and consent that we, or a licensed advisor acting on our behalf, may contact you regarding health insurance products using the phone number, email address, or mobile number you provided, including:

• Telephone calls that we initiate to reach you, even if your number is listed on a state or federal Do-Not-Call registry;
• Text messages that we may send to you, and text messages you send to us;
• Email communications sent to the address you provide;
• Online chat conversations conducted through this website;
• Calls you initiate to us, and calls we return in response to a message or request you leave for us.

Calls and text messages may be made using an automatic telephone dialing system or prerecorded or artificial voice, and message and data rates may apply. Consent is not a condition of purchasing any product or service from us. You may revoke your consent to be contacted at any time by calling 252-904-2980 or emailing joshualbyrd@aol.com and asking to be removed from our contact list.

Website disclaimer

The information provided on this website is for general informational purposes only. All information on this site is provided in good faith, however, we make no representation or warranty of any kind, express or implied, regarding the accuracy, adequacy, validity, reliability, availability, or completeness of any information on the site.

Under no circumstance shall we have any liability to you for any loss or damage of any kind incurred as a result of the use of the site or reliance on any information provided on the site. Your use of the site and your reliance on any information on the site is solely at your own risk.

Not medical advice

The information contained on this website is not intended to be a substitute for professional medical advice, diagnosis, or treatment. Always seek the advice of your physician or other qualified healthcare provider with any questions you may have regarding a medical condition or treatment before undertaking a new healthcare regimen, and never disregard professional medical advice or delay in seeking it because of something you have read on this website.

Not insurance advice

The information provided on this website is not intended to be insurance advice. All information should be verified with the health insurance provider directly. Policy terms, conditions, and exclusions may apply. We do not guarantee the rates, terms, or coverage options that may be available to you through our services.

External links disclaimer

The site may contain links to external websites that are not provided or maintained by or in any way affiliated with us. Please note that we do not guarantee the accuracy, relevance, timeliness, or completeness of any information on these external websites.

Errors and omissions disclaimer

The information given by us is for general guidance on matters of interest. Even if we take every precaution to ensure that the content of this website is both current and accurate, errors can occur. Plus, given the changing nature of laws, rules, and regulations, there may be delays, omissions, or inaccuracies in the information contained on this site.

We are not responsible for any errors or omissions, or for the results obtained from the use of this information. All information on this site is provided "as is," with no guarantee of completeness, accuracy, timeliness, or of the results obtained from the use of this information.

Fair use disclaimer

This site may contain copyrighted material the use of which has not always been specifically authorized by the copyright owner. We are making such material available in our efforts to provide information about health insurance options. We believe this constitutes a "fair use" of any such copyrighted material as provided for in section 107 of the US Copyright Law.

Testimonials disclaimer

The site may contain testimonials by users of our services. These testimonials reflect the real-life experiences and opinions of such users. However, the experiences are personal to those particular users, and may not necessarily be representative of all users of our services. We do not claim, and you should not assume, that all users will have the same experiences.

Questions

For help with all of your Medicare options, you can always contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Assistance Program (SHIP). For questions about this disclaimer, call 252-904-2980 or email joshualbyrd@aol.com.