Terms & Conditions

1. Acceptance of these terms

By using myinsurancespecialist.com, submitting a form, booking a call, or communicating with us by phone, text, or email, you agree to these Terms and Conditions. If you do not agree, please do not use this website or submit your information through it.

2. Who we are

This website is operated by My Insurance Specialist LLC, an independent insurance agency. Criselda Hernandez is a licensed insurance agent, NPN 19839394 (agency NPN 2205253), licensed in 22 states.

We are not connected with or endorsed by the United States government or the federal Medicare program.

3. Our services

We provide one-on-one guidance on Medicare Advantage, Medigap, prescription drug (Part D), hospital indemnity, and ACA Marketplace coverage. Our help is provided at no cost to you. Agents are compensated by the insurance companies whose plans they are appointed with, and your premium is the same whether or not you work with an agent.

We do not offer every plan available in your area. Currently we represent 7 organizations which offer 2,539 products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Assistance Program (SHIP) to get information on all of your options.

4. Informational use only

Content on this website is general information about insurance coverage. It is not legal, tax, medical, or financial advice, and it is not a determination of your eligibility for any plan or program. Plan availability, benefits, premiums, provider networks, and drug formularies change and vary by location. Eligibility for programs such as Extra Help and Medicare Savings Programs is determined by the government agencies that administer them, not by us.

5. SMS and text messaging terms

Consent to receive messages

By providing your mobile phone number on a form on this website, during a phone call, or in writing, you agree to receive SMS text messages from My Insurance Specialist LLC at that number. Consent is not a condition of purchase and is not required to receive a quote, enroll in coverage, or work with us. You may always reach us by phone or email instead.

Types of messages you may receive

• Conversational messages about your questions, your coverage, and your account
• Appointment confirmations, reminders, and rescheduling notices
• Follow-up messages after a call or a request you submitted
• Annual review and enrollment period reminders, if you have asked for them

Message frequency

Message frequency varies based on your activity and the time of year. You may receive more messages during the Medicare Annual Enrollment Period (October 15 to December 7) and the ACA Open Enrollment Period (November 1 to January 15).

Cost

Message and data rates may apply. Check with your mobile carrier for details about your plan. We do not charge you for text messages.

How to opt out

You can cancel at any time. Reply STOP to any message and we will send one confirmation message and then stop sending you texts. To restart messages, reply START.

How to get help

Reply HELP to any message for assistance, or contact us at (866) 884-7890 or [email protected].

Carriers and delivery

Carriers are not liable for delayed or undelivered messages. Delivery is subject to effective transmission by your mobile carrier and is not guaranteed. Supported carriers may change without notice.

6. Phone calls and consent

When you give us your phone number, you agree that we may contact you by phone about the coverage you asked about, including by automated dialing technology or prerecorded message where permitted. Consent is not a condition of purchase. You may ask us to stop calling at any time by telling us during a call, or by writing to [email protected].

Calls may be recorded or monitored where required by carrier, regulatory, or CMS rules, and where permitted by law.

7. Email communications

If you provide your email address, we may send you confirmations, documents, and information related to your request. Marketing emails include an unsubscribe link, and you can opt out at any time without affecting your coverage or our ability to help you.

8. Privacy and your information

We collect only the information needed to answer your questions and help you review coverage, such as your name, contact details, zip code, and, when relevant, your doctors, prescriptions, and household information. How we collect, use, and protect that information is described in our Privacy Policy.

Do not send sensitive information such as Social Security numbers, Medicare numbers, or banking details by text or by email. We will tell you the secure way to provide anything of that kind.

9. Third-party links and tools

This website links to and embeds tools operated by other companies, including our online scheduling calendar and enrollment platforms provided by the insurance marketing organizations and carriers we work with. Those services have their own terms and privacy policies, and we are not responsible for their content or practices.

10. Intellectual property

The content, layout, logo, and materials on this website belong to My Insurance Specialist LLC or are used with permission. You may view and print pages for your own personal use. You may not copy, republish, or use them commercially without written permission. Carrier names and logos are the property of their respective owners.

11. Disclaimers

This website is provided on an "as is" basis. We work to keep the information accurate and current, but we do not warrant that it is complete, error-free, or up to date at all times. Plan details are governed by the carrier's official plan documents, including the Evidence of Coverage, which control in the event of any conflict with information on this site.

Not all plans offer all of these benefits. Benefits may vary by carrier and location. Limitations and exclusions may apply.

12. Limitation of liability

To the fullest extent permitted by law, My Insurance Specialist LLC is not liable for any indirect, incidental, or consequential damages arising out of your use of this website or your reliance on information presented on it. Nothing in these terms limits any liability that cannot be limited under applicable law.

13. Changes to these terms

We may update these Terms and Conditions from time to time. The revised version takes effect when posted on this page, and the date at the top shows when it was last changed. Continuing to use the site after a change means you accept the updated terms.

14. Governing law

These terms are governed by the laws of the State of Utah, without regard to its conflict of law rules. Insurance products are regulated by the department of insurance in the state where you live.

15. How to contact us

My Insurance Specialist LLC
Criselda Hernandez, Licensed Insurance Agent · NPN 19839394
Phone: (866) 884-7890
Email: [email protected]