Terms of Use

Acceptance of These Terms

By accessing or using the HBS website, you agree to these Terms of Use. If you do not agree with these terms, please do not use the website.

About HBS

Health Benefit Services is an independent insurance agency serving individuals, families, and businesses with insurance products and guidance. HBS represents multiple insurance carriers and provides assistance based on the products and carriers available to the agency.

Website Information

The information on this website is provided for general informational purposes only.

Website content may include descriptions of Medicare, individual health, home and auto, group benefits, dental, and other insurance products. Available products, carriers, benefits, eligibility requirements, prices, networks, and coverage may change.

No Insurance Contract

Information on this website does not create an insurance policy, coverage agreement, or guarantee of coverage.

Actual coverage is determined by the terms, conditions, exclusions, limitations, and provisions of the applicable insurance policy or plan documents.

Quotes & Requests

Submitting a form through the website does not guarantee enrollment, coverage, eligibility, or a particular premium.

A request for information allows an HBS advisor to review your needs and contact you regarding available options.

Medicare Information

Medicare-related information provided on the website is for general educational purposes. Medicare plans, benefits, networks, formularies, premiums, and availability may vary by carrier, location, eligibility, and plan year.

Third-Party Carriers

HBS works with multiple insurance carriers. Carrier websites, documents, applications, and policies may be subject to separate terms and privacy policies.

Acceptable Use

You agree not to:

• Use the website for unlawful purposes.
• Attempt to gain unauthorized access to the website.
• Interfere with website operation.
• Submit false or misleading information.
• Copy or misuse website content without permission.
• Introduce malicious code or harmful technology.

Intellectual Property

Unless otherwise stated, website content including text, graphics, logos, design elements, images, and other materials is owned by or licensed to HBS and may not be reproduced or distributed without authorization.

Disclaimer

The website is provided on an "as is" and "as available" basis. HBS does not guarantee that website content will always be complete, accurate, current, or uninterrupted.

Limitation of Liability

To the extent permitted by applicable law, HBS will not be responsible for losses or damages arising from your use of, or inability to use, the website or reliance on information presented on the website.

Changes to These Terms

HBS may update these Terms of Use from time to time. Updated terms will be posted on this page with a revised "Last Updated" date.

Governing Law

These Terms of Use will be interpreted in accordance with applicable laws governing HBS and its operations, without limiting any rights that cannot legally be waived.

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