Please review these terms before using the Site or our communication channels. Your use of the Site, chat widget, SMS communications, phone, or email is subject to the provisions below.
1. Agreement to Terms
By accessing or using the website located at healthieinsuranceagency.com (the "Site"), using the chat widget on this Site, opting in to SMS communications, or contacting Healthie LLC DBA Healthie Insurance Agency ("Healthie," "we," "us," or "our") by phone or email, you agree to be bound by these Terms and Conditions. If you do not agree, please do not use this Site or contact us through it.
2. Who We Are
Healthie LLC is a licensed health insurance agency operating under the trade name Healthie Insurance Agency, headquartered at 7281 Lake Worth Rd, Lake Worth, Florida. Licensing, carrier appointments, and plan availability determine the scope of services we can provide in any given location.
3. Nature of Our Services
Healthie provides health insurance guidance and enrollment assistance. The information and guidance we provide is:
- Educational and informational in nature
- Based on your stated needs and the plan options available through our carrier appointments at the time of your inquiry
- Not a guarantee of coverage, eligibility, approval, specific benefits, or pricing
A conversation with an agent, including through the chat widget or via SMS, does not constitute enrollment in any plan. Enrollment is not complete until a completed application has been submitted, accepted by the carrier, and a policy has been issued in accordance with the carrier's requirements.
4. No Government Affiliation
Healthie Insurance Agency is not connected with, affiliated with, or endorsed by the United States government, the federal Medicare program, the Centers for Medicare and Medicaid Services, or any government agency. Any guidance related to ACA Marketplace plans is provided independently and does not represent the federal exchange or any government body.
5. Plan and Coverage Limitations
The following apply to all information provided through this Site and through our agents:
- Plan availability, carrier participation, benefits, premiums, networks, formularies, deductibles, copays, out-of-pocket limits, and enrollment periods vary by location, eligibility, and individual circumstances.
- Short-term health plans are not ACA-compliant and may have significant exclusions, coverage limits, medical underwriting requirements, and benefit restrictions that differ materially from major medical coverage.
- We do not represent every carrier or plan available in any given area. Our ability to discuss or enroll you in a plan depends on our carrier appointments and your eligibility.
- Provider network participation should be independently confirmed with the provider and carrier before enrollment or receipt of care.
- Prescription drug coverage should be verified against the applicable formulary before enrollment.
6. SMS and Text Message Terms
By providing your phone number and consenting to receive SMS messages from Healthie Insurance Agency, you agree to the following:
- You are opting in voluntarily and understand that consent is not required to receive insurance guidance or any service from us.
- You may receive messages related to your insurance inquiry, plan options, enrollment follow-up, or coverage questions. Message frequency may vary.
- Message and data rates may apply based on your mobile carrier and plan.
- To opt out at any time, reply STOP to any message from us. You will receive a single confirmation and no further messages.
- To request help, reply HELP or contact us at [email protected] or (561) 652-6700.
- SMS consent and phone numbers collected for SMS purposes will not be shared with third parties or affiliates for their own marketing purposes.
- Healthie is not liable for delayed or undelivered messages due to factors outside our control, including carrier issues, network conditions, or device settings.
7. Use of the Chat Widget
The chat widget on this Site is provided as a convenience for initial inquiries. By using the chat widget, you acknowledge that:
- Chat conversations may be reviewed by agency personnel and, depending on the platform, by the third-party chat provider.
- You should not submit sensitive personal, medical, financial, or identity information through the chat unless an agent has confirmed it is appropriate to do so.
- Chat availability is not guaranteed and is subject to agent availability and business hours.
- A chat conversation does not constitute a binding agreement, enrollment, or guarantee of any kind.
8. No Medical Advice
Nothing on this Site, communicated by our agents, shared through the chat widget, or sent via SMS constitutes medical advice, diagnosis, or a recommendation regarding your medical care or treatment. All medical decisions remain between you and your qualified healthcare providers. We help you understand insurance coverage. We do not advise on clinical matters.
9. Accuracy of Information
We make reasonable efforts to ensure the information on this Site is accurate and current. However, plan details, carrier offerings, regulatory requirements, and enrollment rules change frequently. We do not warrant that the information on this Site is complete, current, or free from error. You should confirm specific plan details directly with the carrier and review all policy documents before making a coverage decision.
10. Intellectual Property
All content on this Site, including text, graphics, logos, and page design, is the property of Healthie LLC or its licensors and is protected by applicable intellectual property law. You may not copy, reproduce, distribute, or create derivative works from any content on this Site without prior written permission from Healthie LLC.
11. Limitation of Liability
To the fullest extent permitted by applicable law, Healthie LLC and its agents, employees, and representatives shall not be liable for:
- Any indirect, incidental, consequential, or punitive damages arising from your use of this Site, the chat widget, SMS communications, or our services.
- Any reliance on information provided on this Site that has since changed.
- Any carrier decision to deny coverage, change plan terms, or terminate a policy.
- Any healthcare costs incurred as a result of a coverage decision you made.
- Any interruption, delay, or failure of the chat widget, SMS delivery, or any third-party platform used in connection with this Site.
Our liability to you for any claim arising out of your use of this Site or our services shall not exceed the amount, if any, paid by you directly to Healthie LLC for services rendered.
12. Indemnification
You agree to indemnify and hold harmless Healthie LLC, its officers, employees, and agents from any claims, losses, damages, liabilities, or expenses (including reasonable legal fees) arising out of your use of this Site, your use of the chat widget, your participation in SMS communications, your violation of these Terms, or your misrepresentation of any information provided to us in connection with a plan inquiry or enrollment.
13. Third-Party Links
This Site may link to carrier websites or other external resources for informational purposes. We do not control those sites and are not responsible for their content, accuracy, or privacy practices. A link does not constitute an endorsement.
14. Governing Law and Dispute Resolution
These Terms and Conditions are governed by the laws of the State of Florida, without regard to its conflict of laws principles. Any dispute arising from these Terms or your use of this Site shall be resolved in the state or federal courts located in Palm Beach County, Florida, and you consent to personal jurisdiction in those courts.
15. Changes to These Terms
We may update these Terms and Conditions from time to time. The "Last Updated" date at the top reflects when changes were last made. Continued use of this Site after changes are posted constitutes your acceptance of the revised Terms.
16. Contact
For questions about these Terms and Conditions: