1. Not Affiliated with Government Agencies

Medicare-Decoded.com is a privately owned, non-government website. We are not affiliated with, endorsed by, or connected to the Centers for Medicare & Medicaid Services (CMS), the Department of Health and Human Services (HHS), the Social Security Administration (SSA), or any other government agency. The official Medicare website is Medicare.gov.

2. Educational Purpose

The content on this website is for educational and informational purposes only. It does not constitute medical advice, legal advice, or a recommendation to purchase any specific insurance product. Plan availability, premiums, and benefits vary by state, county, and individual circumstances.

3. Solicitation of Insurance

This website is a solicitation for insurance. By submitting your information, you agree to be contacted by a licensed insurance agent/producer regarding Medicare Advantage, Medicare Supplement (Medigap), and/or Prescription Drug Plan (Part D) products. Contact may be made by phone, email, text message (SMS), or direct mail. You are not required to consent to contact in order to purchase goods or services.

4. Scope of Appointment / Permission to Contact

By requesting information, you are providing permission for a licensed agent to discuss the types of Medicare products you have expressed interest in. The agent may not discuss products outside the scope of your request unless you provide additional consent.

5. Plan Availability

Not all plans are available in all areas. Plan benefits, premiums, and provider networks vary by location. The plans we discuss are offered by private insurance companies that contract with CMS. Enrollment in any plan depends on its contract renewal with CMS.

6. No Obligation

There is no obligation to enroll. You may choose any plan or agent. You are free to contact Medicare directly at 1-800-MEDICARE (1-800-633-4227) or visit Medicare.gov for information about all available options. TTY users can call 1-877-486-2048.

7. Marketing Guidelines

We adhere to CMS Medicare Communications and Marketing Guidelines (MCMG). We do not use language that implies "free," "no cost," or "government-sponsored" inappropriately. Any mention of "$0 premium" refers to the plan premium only; you must continue paying your Medicare Part B premium.

8. Privacy & Data Usage

Your information is collected and used in accordance with our Privacy Policy. We do not sell your personal information to unauthorized third parties. By providing your information, you consent to being contacted by Medicare-Decoded.com and/or our licensed insurance partners.

9. TCPA Compliance

By providing your telephone number, you consent to receive calls and/or text messages from Medicare-Decoded.com and our licensed insurance agents, even if your number is on a Do Not Call registry. Calls may be recorded for quality and compliance purposes. Standard message and data rates may apply. You may opt out at any time by replying STOP to any text message or requesting removal during a phone call.

10. Agent Licensing

Our agents are licensed to sell Medicare insurance products in all 50 states and the District of Columbia. License information is available upon request. Agents are compensated by insurance carriers for enrollments; there is no additional cost to you for using our services.

11. Equal Opportunity

We do not discriminate on the basis of race, color, national origin, age, disability, sex, sexual orientation, gender identity, or religion. We comply with applicable federal civil rights laws.

12. Medicare Eligibility

To enroll in Medicare, you must be a U.S. citizen or legal resident who is 65 or older, or under 65 with a qualifying disability or medical condition. Plan options vary based on eligibility status.