Acceptance of Terms
These Terms of Use govern access to and use of the Elevation Senior Benefits website.
By accessing or using this website, you agree to these terms. Do not use the website if you do not agree.
Website Purpose
This website provides general educational information concerning:
- Medicare Advantage
- Medicare Supplement insurance
- Medicare prescription drug coverage
- Dental, vision, hearing, hospital indemnity, critical illness, and related insurance products
- Services offered by Elevation Senior Benefits
Website content is not an insurance contract, policy, certificate, Evidence of Coverage, Summary of Benefits, or official Medicare determination.
No Medical, Legal, Tax, or Financial Advice
Information presented on this website is provided for general educational purposes.
It is not medical, legal, tax, investment, or financial advice.
Consult an appropriately qualified professional regarding your individual circumstances.
No Guarantee of Eligibility or Coverage
Using this website, contacting Elevation Senior Benefits, or scheduling a review does not guarantee:
- Eligibility for any plan or policy
- Acceptance by an insurance carrier
- A particular premium
- A particular benefit
- Provider-network participation
- Prescription-drug coverage
- Enrollment approval
- Savings or financial results
Final eligibility, premiums, benefits, exclusions, limitations, underwriting requirements, and effective dates are determined by Medicare, the applicable insurance carrier, official policy documents, and governing law.
Plan and Product Information
Plan availability, costs, networks, formularies, benefits, underwriting requirements, and service areas may change.
Before enrolling, review applicable official materials, which may include:
- Summary of Benefits
- Evidence of Coverage
- Policy or certificate
- Provider directory
- Prescription-drug formulary
- Enrollment materials
If information on this website conflicts with official Medicare or insurance-carrier documents, the official documents control.
No Government Affiliation
Elevation Senior Benefits is a private insurance agency.
It is not connected with, endorsed by, or affiliated with the United States government, the Centers for Medicare & Medicaid Services, the federal Medicare program, or any state government agency.
Initial Coverage Review
There is no charge to schedule an initial coverage review, and there is no obligation to enroll.
Submitting a form, viewing the website, or scheduling an initial conversation does not automatically create an insurance-agent relationship or require either party to complete an insurance enrollment.
Acceptable Use
You agree not to:
- Use the website for unlawful, fraudulent, or abusive purposes
- Attempt unauthorized access to the website or related systems
- Introduce malware or harmful code
- Interfere with website availability, performance, or security
- Scrape or copy website content through unauthorized automated means
- Impersonate another person
- Submit intentionally false or misleading information
- Violate intellectual-property, privacy, or other legal rights
Intellectual Property
Original website content, branding, design, graphics, text, and materials are owned by or licensed to Elevation Senior Benefits unless otherwise stated.
Insurance-carrier names, logos, trademarks, and service marks belong to their respective owners.
Displaying a carrier mark does not imply ownership of that mark by Elevation Senior Benefits.
Third-Party Links
The website may include links to external websites for convenience or educational purposes.
Elevation Senior Benefits does not control and is not responsible for external website content, availability, accuracy, privacy, or security.
A link does not necessarily constitute an endorsement.
Disclaimer of Warranties
To the fullest extent permitted by law, the website is provided on an “as is” and “as available” basis.
We do not warrant that:
- The website will always be available
- Information will always be complete, error-free, or current
- The website will be free from harmful components
- Website content will satisfy every visitor’s needs
Limitation of Liability
To the fullest extent permitted by law, Elevation Senior Benefits and its owners, agents, employees, contractors, and service providers will not be liable for indirect, incidental, special, consequential, exemplary, or punitive damages arising from the use of or inability to use this website.
Nothing in these terms excludes liability that cannot legally be excluded.
Indemnification
You agree to indemnify and hold harmless Elevation Senior Benefits and its representatives from claims, losses, liabilities, or expenses arising from unlawful misuse of the website or violation of these terms.
Governing Law
These Terms of Use are governed by the laws of the State of New York, without regard to conflict-of-law principles, unless another law is required to apply.
Any legal proceeding relating to these terms will be brought in a court of competent jurisdiction located in [COUNTY], New York, unless applicable law requires otherwise.
Changes to These Terms
We may revise these Terms of Use periodically.
Continued use of the website after revised terms are posted constitutes acceptance of the revised terms.