Disclaimer

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No Government Affiliation

The American Medicare Council is not affiliated with, endorsed by, or connected to the Centers for Medicare & Medicaid Services (CMS), the Social Security Administration (SSA), the Department of Health and Human Services (HHS), or any other federal, state, or local government agency. We are an independent, privately-owned organization that provides educational resources and connects individuals with licensed insurance agents.

Our website, tools, and services are not official government resources. For official Medicare information, please visit Medicare.gov, the official U.S. government site for Medicare, or contact Medicare directly at 1-800-MEDICARE (1-800-633-4227).

The use of government terminology, references to Medicare programs, or discussion of federal benefits does not imply any government endorsement, approval, or affiliation. We use these terms solely for educational and informational purposes to help individuals understand their Medicare options.

Educational and Informational Purposes Only

All content, tools, calculators, resources, articles, and information provided on the American Medicare Council website are for educational and informational purposes only. The information we provide is not intended to be, and should not be construed as, professional advice of any kind.

Not Medical Advice

The information on our Site is not intended to be a substitute for professional medical advice, diagnosis, or treatment. We do not provide medical advice, and nothing on our Site should be interpreted as medical guidance. Always seek the advice of your physician or other qualified health provider with any questions you may have regarding a medical condition or treatment options. Never disregard professional medical advice or delay in seeking it because of something you have read on our Site.

The Medicare tools and resources we provide, including coverage comparisons and plan information, are educational in nature and do not constitute medical recommendations. Your healthcare decisions should be made in consultation with qualified medical professionals who understand your specific health situation and medical history.

Not Legal Advice

The information on our Site is not intended to be, and does not constitute, legal advice. We are not a law firm, and we do not provide legal services or legal representation. The information we provide about Medicare eligibility, enrollment requirements, regulations, and rights should not be relied upon as legal advice.

If you have legal questions about Medicare, Social Security, disability benefits, estate planning, or any other legal matter, you should consult with a qualified attorney licensed to practice law in your jurisdiction. Laws and regulations governing Medicare are complex and subject to change, and individual circumstances vary significantly.

Not Financial Advice

The information on our Site is not intended to be, and does not constitute, financial advice or financial planning services. We are not financial advisors, certified financial planners, or investment professionals. The cost estimates, premium calculations, and financial comparisons we provide through our tools are for educational purposes only and should not be relied upon for financial planning or investment decisions.

Medicare enrollment decisions can have significant financial implications. Before making decisions about Medicare coverage, retirement planning, or healthcare spending, you should consult with a qualified financial advisor who can assess your complete financial situation and provide personalized guidance.

Not Insurance Advice

While we provide information about Medicare insurance options and connect individuals with licensed insurance agents, the general information on our Site does not constitute insurance advice or recommendations. Insurance needs are highly individual and depend on numerous factors including health status, financial situation, geographic location, and personal preferences.

The licensed insurance agents we connect you with are qualified to provide personalized insurance advice and recommendations based on your specific circumstances. We encourage you to work directly with these licensed professionals to determine which Medicare plans are most appropriate for your needs.

Accuracy and Completeness of Information

We make reasonable efforts to ensure that the information on our Site is accurate, current, and complete. However, Medicare is a complex and constantly evolving program with frequent changes to rules, regulations, coverage options, costs, and enrollment procedures.

No Guarantee of Accuracy

We do not warrant or guarantee the accuracy, completeness, timeliness, or reliability of any information on our Site. Information about Medicare plans, premiums, deductibles, coverage details, and enrollment periods may change without notice. While we strive to update our content regularly, there may be delays between when changes occur and when our Site is updated to reflect those changes.

Medicare rules and regulations vary by state, plan type, and individual circumstances. The information we provide is general in nature and may not apply to your specific situation. You should always verify information with official Medicare sources, plan providers, or licensed insurance professionals before making enrollment or coverage decisions.

Calculator and Tool Limitations

The interactive tools and calculators on our Site, including the Medicare Penalty Calculator, Medigap Plan Finder, Medicare Cost Calculator, and other resources, provide estimates and general information based on the data you input. These tools are designed to help you understand Medicare concepts and compare options, but they have important limitations:

Estimates Only. All calculations, cost estimates, and penalty projections are approximate and should not be relied upon as exact figures. Actual costs, penalties, premiums, and coverage details may differ from the estimates provided by our tools.

Based on User Input. Our tools rely on information you provide. If you enter incorrect, incomplete, or outdated information, the results will be inaccurate. We cannot verify the accuracy of information you input into our tools.

Simplified Assumptions. Our calculators use simplified methodologies and may not account for all factors that affect Medicare costs, penalties, eligibility, or coverage. Complex individual circumstances may require more sophisticated analysis than our tools can provide.

Not Personalized Recommendations. Tool results are general information, not personalized recommendations. They do not take into account your complete health status, financial situation, prescription drug needs, preferred healthcare providers, or other factors that should influence your Medicare decisions.

Subject to Change. Medicare rules, formulas, and costs change annually. Our tools are updated periodically, but there may be times when they reflect outdated information, particularly during transition periods when new Medicare rules take effect.

Third-Party Information

Our Site may include information obtained from third-party sources, including insurance companies, government agencies, healthcare providers, and other organizations. While we attempt to work with reliable sources, we cannot guarantee the accuracy of third-party information and are not responsible for errors or omissions in information provided by third parties.

Insurance Agent Relationships and Compensation

The American Medicare Council has business relationships with licensed insurance agents, brokers, and insurance agencies. It is important that you understand the nature of these relationships and how they may affect the services we provide.

Compensation Disclosure

We receive compensation from insurance agents, brokers, and insurance companies when we connect individuals with these professionals and those individuals enroll in Medicare plans. This compensation may take various forms, including referral fees, commissions, marketing fees, or other payments. The amount of compensation we receive may vary depending on the type of plan, the insurance company, and other factors.

This compensation structure creates a financial incentive for us to connect you with insurance professionals and for you to enroll in Medicare plans through those professionals. You should be aware of this financial relationship when using our services and evaluating any recommendations you receive.

Important: The compensation we receive does not increase the cost of your Medicare coverage. Medicare Advantage and Medicare Supplement (Medigap) premiums are the same whether you enroll through an agent we connect you with, another agent, or directly with an insurance company. However, the existence of this compensation relationship may influence which agents we work with and how we present information about Medicare options.

Independent Agents

The licensed insurance agents and brokers we connect you with are independent contractors or employees of independent insurance agencies. They are not employees of the American Medicare Council, and we do not control their conduct, advice, recommendations, or enrollment practices.

These agents are licensed by state insurance departments and are subject to state and federal insurance regulations. They have their own professional obligations to provide suitable recommendations and comply with applicable laws. However, we are not responsible for the actions, advice, errors, omissions, or misconduct of these independent insurance professionals.

If you have concerns about the conduct of an insurance agent, you should contact your state insurance department or the appropriate regulatory authority.

No Endorsement of Specific Plans

The American Medicare Council does not endorse, recommend, or guarantee any specific Medicare plan, insurance company, or insurance product. The fact that we connect you with an insurance agent who represents certain companies or offers certain plans does not constitute an endorsement or recommendation of those plans or companies.

Medicare plan selection is a personal decision that should be based on your individual needs, preferences, health status, financial situation, and other factors. You should carefully evaluate all available options and work with licensed insurance professionals to determine which plans are most appropriate for your circumstances.

No Guarantees or Warranties

The American Medicare Council website and all content, tools, and services are provided on an “as is” and “as available” basis without warranties of any kind, either express or implied.

Disclaimer of Warranties

To the fullest extent permitted by law, we disclaim all warranties, express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, title, and non-infringement. We do not warrant that:

The Site will be available, accessible, uninterrupted, timely, secure, or error-free at all times. Our Site may experience downtime, technical issues, or interruptions for maintenance, updates, or other reasons.

The information on the Site is accurate, complete, reliable, current, or error-free. As discussed above, Medicare information changes frequently, and we cannot guarantee that all content is up-to-date or accurate.

Any errors or defects in the Site will be corrected. While we work to fix issues when they come to our attention, we do not guarantee that all problems will be resolved or resolved within any particular timeframe.

The Site is free from viruses, malware, or other harmful components. While we implement security measures, we cannot guarantee that the Site is completely secure or free from all security threats.

The use of our Site or tools will result in any particular outcome, including Medicare enrollment, plan selection, cost savings, or other benefits.

No Guarantee of Results

We do not guarantee that using our Site, tools, or services will result in any particular outcome. We cannot guarantee that you will:

Successfully enroll in Medicare or any specific Medicare plan. Enrollment is subject to eligibility requirements, enrollment periods, plan availability, and other factors beyond our control.

Save money on healthcare costs. While our tools may help you compare costs and understand your options, actual healthcare expenses depend on numerous factors including your health needs, the plans you choose, and how you use your coverage.

Avoid Medicare penalties. While our penalty calculator provides estimates, actual penalties depend on your specific circumstances and official determinations by Medicare and the Social Security Administration.

Receive assistance from insurance agents. While we connect individuals with licensed agents, we cannot guarantee that an agent will contact you, be able to assist you, or offer plans that meet your needs.

Find the “best” Medicare plan. Medicare plan selection is subjective and depends on individual needs and preferences. What is best for one person may not be best for another.

Limitation of Liability

To the fullest extent permitted by applicable law, the American Medicare Council, its owners, operators, employees, contractors, partners, and affiliates shall not be liable for any damages of any kind arising from your use of or inability to use our Site or services.

Types of Damages Excluded

This limitation of liability applies to all damages of any kind, including but not limited to direct, indirect, incidental, consequential, special, punitive, or exemplary damages. This includes, without limitation:

Financial losses resulting from enrollment or non-enrollment in Medicare plans, including but not limited to premium costs, out-of-pocket medical expenses, late enrollment penalties, or coverage gaps.

Medical or health-related damages resulting from coverage decisions, plan selections, or delays in obtaining coverage.

Damages resulting from reliance on information provided on our Site, including inaccurate, incomplete, or outdated information.

Damages resulting from the conduct, advice, errors, or omissions of insurance agents or brokers we connect you with.

Damages resulting from unauthorized access to or alteration of your transmissions or data.

Damages resulting from technical issues, Site downtime, or loss of data.

Loss of profits, revenue, business opportunities, goodwill, or reputation.

This limitation applies regardless of the legal theory on which a claim is based, whether in contract, tort (including negligence), strict liability, or otherwise, and even if we have been advised of the possibility of such damages.

Maximum Liability

In jurisdictions that do not allow the exclusion or limitation of liability for consequential or incidental damages, our liability shall be limited to the maximum extent permitted by law. In no event shall our total liability to you for all damages, losses, and causes of action exceed the amount you paid to us, if any, for accessing or using our Site. Since our Site is provided free of charge, this amount would typically be zero dollars ($0).

User Responsibilities

By using our Site and services, you acknowledge and agree to certain responsibilities and obligations.

Verify Information

You are responsible for verifying all information you obtain from our Site with official Medicare sources, licensed insurance professionals, or other qualified experts before making decisions or taking action. You should not rely solely on information from our Site for important Medicare enrollment or coverage decisions.

Official Medicare information is available at Medicare.gov or by calling 1-800-MEDICARE (1-800-633-4227). You can also contact your State Health Insurance Assistance Program (SHIP) for free, unbiased Medicare counseling.

Provide Accurate Information

When using our tools or submitting information through our forms, you are responsible for providing accurate, complete, and current information. Inaccurate information may result in incorrect calculations, inappropriate recommendations, or other issues.

If you provide false or misleading information to insurance agents or during the Medicare enrollment process, you may face serious consequences, including denial of coverage, cancellation of benefits, or legal penalties.

Protect Your Information

You are responsible for maintaining the confidentiality of any account information, passwords, or personal information you provide through our Site. You should not share your personal information, Medicare number, Social Security number, or other sensitive data with anyone you do not trust.

Be cautious when communicating with insurance agents or other third parties. Verify their credentials and licensing before providing personal or financial information. If you suspect fraud or identity theft, contact the appropriate authorities immediately.

Comply with Laws

You are responsible for complying with all applicable laws and regulations related to Medicare enrollment, insurance purchases, and use of our Site. This includes meeting Medicare eligibility requirements, enrolling during appropriate enrollment periods, and providing truthful information on enrollment applications.

Make Informed Decisions

You are ultimately responsible for your own Medicare decisions. While we provide educational resources and connect you with licensed professionals, you must make your own informed decisions about Medicare enrollment, plan selection, and healthcare coverage. You should carefully consider your individual needs, circumstances, and options before making any decisions.

Third-Party Links and Content

Our Site may contain links to third-party websites, services, or resources that are not owned or controlled by the American Medicare Council. We provide these links for your convenience, but their presence does not constitute an endorsement, approval, or recommendation of the linked sites or their content.

No Responsibility for Third-Party Sites

We are not responsible for the content, privacy practices, terms of service, accuracy, or availability of third-party websites. When you click on a third-party link, you leave our Site and are subject to the terms and policies of the third-party site. We strongly recommend that you review the privacy policy, terms of service, and disclaimers of any third-party site you visit.

We do not monitor, verify, or endorse third-party content, and we are not liable for any damages or losses resulting from your use of or reliance on third-party websites, products, or services.

Insurance Company and Agent Websites

When we connect you with insurance agents or refer you to insurance companies, you may be directed to their websites or online enrollment platforms. These third-party sites are operated by independent companies with their own terms, policies, and practices. We are not responsible for the content, functionality, security, or privacy practices of these sites.

Enrollment in Medicare plans occurs through insurance companies and their authorized representatives, not through the American Medicare Council. Any contractual relationship you enter into with an insurance company or agent is between you and that third party, and we are not a party to that relationship.

Intellectual Property

All content on the American Medicare Council website, including text, graphics, logos, images, tools, calculators, and software, is the property of the American Medicare Council or its content suppliers and is protected by United States and international copyright, trademark, and other intellectual property laws.

Limited License

We grant you a limited, non-exclusive, non-transferable, revocable license to access and use our Site for personal, non-commercial purposes in accordance with this Disclaimer and our Terms of Service. You may view, download, and print content from our Site for your own personal use, but you may not modify, reproduce, distribute, republish, or exploit any content for commercial purposes without our express written permission.

Prohibited Uses

You may not use our Site or content for any purpose that is unlawful or prohibited by this Disclaimer or our Terms of Service. Prohibited uses include, but are not limited to:

Copying, reproducing, or distributing our tools, calculators, or proprietary content for commercial purposes. Scraping, data mining, or using automated systems to collect information from our Site. Modifying, creating derivative works, or reverse engineering any part of our Site. Removing or altering any copyright, trademark, or other proprietary notices. Framing or linking to our Site in a way that suggests affiliation, endorsement, or approval without our permission. Using our Site or content in any way that could damage, disable, overburden, or impair our servers or networks.

Indemnification

You agree to indemnify, defend, and hold harmless the American Medicare Council, its owners, operators, employees, contractors, partners, and affiliates from and against any and all claims, liabilities, damages, losses, costs, expenses, or fees (including reasonable attorneys’ fees) arising from:

Your use of or inability to use our Site or services. Your violation of this Disclaimer, our Terms of Service, or any applicable law or regulation. Your violation of any rights of another person or entity. Any content or information you submit or transmit through our Site. Your enrollment or non-enrollment in Medicare plans or your interactions with insurance agents or companies.

This indemnification obligation will survive termination of your use of our Site and services.

Changes to This Disclaimer

We reserve the right to modify, update, or replace this Disclaimer at any time without prior notice. Changes will be effective immediately upon posting to our Site. The “Last Updated” date at the top of this Disclaimer indicates when it was most recently revised.

Your continued use of our Site after any changes to this Disclaimer constitutes your acceptance of the revised Disclaimer. We encourage you to review this Disclaimer periodically to stay informed of any updates. If you do not agree with any changes, you should discontinue use of our Site.

Severability

If any provision of this Disclaimer is found to be invalid, illegal, or unenforceable by a court of competent jurisdiction, the remaining provisions shall continue in full force and effect. The invalid, illegal, or unenforceable provision shall be deemed modified to the minimum extent necessary to make it valid, legal, and enforceable while preserving its intent to the greatest extent possible.

Governing Law and Jurisdiction

This Disclaimer shall be governed by and construed in accordance with the laws of the United States and the state in which the American Medicare Council is headquartered, without regard to conflict of law principles. Any legal action or proceeding arising out of or relating to this Disclaimer or your use of our Site shall be brought exclusively in the federal or state courts located in [Your jurisdiction], and you consent to the personal jurisdiction of such courts.

Entire Agreement

This Disclaimer, together with our Privacy Policy and Terms of Service, constitutes the entire agreement between you and the American Medicare Council regarding your use of our Site and services, and supersedes all prior or contemporaneous communications, agreements, and understandings, whether written or oral, regarding such subject matter.

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This Disclaimer was last updated on November 4, 2025. By using the American Medicare Council website, you acknowledge that you have read, understood, and agree to be bound by this Disclaimer.