Terms of Service

Welcome to Veteran Health Solutions LLC ("Company," "we," "us," or "our"). These Terms of Service ("Terms") govern your access to and use of veteranhealthsolutions.net and our benefits check at quiz.veteranhealthsolutions.net (together, the "Site"), and the guides, tools, and services we offer through it.

By accessing or using the Site, you agree to be bound by these Terms. If you do not agree, please do not use the Site.

In short: the Site is free to use, what you read here is general education and not advice about your own situation, and nothing here obligates you to enroll in anything. That summary is for convenience only. The full Terms below are what apply.

About Our Services

Veteran Health Solutions LLC is an independent Medicare insurance agency located in Glendora, California. Our advocates are licensed to sell insurance. We help veterans, their spouses, and other people on Medicare understand, compare, and enroll in Medicare Advantage, Medicare Supplement, and Medicare Part D prescription drug plans offered by licensed insurance carriers.

Our help is free to you. We are paid by the insurance carriers. Visiting the Site, submitting a form, completing the benefits check, or speaking with us never obligates you to enroll in any plan.

Who May Use This Site

By using the Site, you represent that you are at least 18 years of age and have the legal authority to enter into these Terms. The Site is intended for people living in the United States who are looking for information about Medicare insurance products. If you use the Site on behalf of a spouse, parent, or someone else, you represent that you have that person's permission to share their information with us.

Using the Site

You agree to use the Site only for lawful purposes and in a way that is consistent with these Terms. You agree not to use the Site in any way that violates federal, state, or local law. You agree not to submit false, misleading, or fraudulent information through any form on the Site, including a name or phone number that is not yours or that cannot be reached.

You also agree not to attempt to gain unauthorized access to any part of the Site or its systems, not to use automated tools such as bots, scrapers, or crawlers to access or collect data from the Site without our prior written consent, not to do anything that could disable, overburden, or impair the Site, and not to transmit viruses, malware, or other harmful code.

We may suspend or block access to the Site for anyone who violates these Terms.

Information You Give Us

When you submit a contact form, complete the benefits check, or book an appointment, you agree to give us accurate information and you agree that we may contact you using the information you provided to answer your questions and share Medicare plan information.

We never ask for your Social Security number, Medicare number, or bank information on this Site. Please do not send that kind of information through a form or by email. If you decide to enroll in a plan, the information the insurance carrier needs for your application is collected during your appointment with a licensed advocate or on the carrier's own application.

Phone Calls, Text Messages, and Automated Technology

When you submit our form and agree to be contacted, you consent to receive calls, text messages, and emails from Veteran Health Solutions and its licensed advocates at the number and email address you provided. These may include calls placed with automated technology and prerecorded or artificial voice messages, including an automated assistant. Consent is not a condition of purchasing any insurance product or receiving any service.

Calls with Veteran Health Solutions may be monitored or recorded for quality assurance, training, compliance, and record-keeping. Where the law requires it, we will tell you at the start of the call that it is being recorded.

By providing your mobile phone number and agreeing to the consent language on our form, you expressly consent to receive recurring text messages from Veteran Health Solutions LLC related to your Medicare inquiry, appointment reminders, and plan information. Message frequency varies. Standard message and data rates from your carrier may apply. You can opt out at any time by replying STOP to any text message we send. For help, reply HELP or email us at info@veteranhealthsolutions.net. Your mobile opt-in and phone number will not be sold or shared with third parties for their marketing purposes.

You can ask us to stop calling at any time by telling the person or assistant on the call, replying STOP to a text message, or emailing us.

Educational Content, Estimates, and Tools

The Site includes guides, answers to common questions, a glossary, examples, and tools such as a savings estimator. All of it is general education. It is written to help you understand how Medicare, TRICARE For Life, CHAMPVA, and VA health care work together. It is not advice about your own situation, and it is not professional insurance, legal, financial, medical, or tax advice.

Any dollar amount, estimate, or example on the Site is an illustration. It is not a quote, an offer, or a guarantee. What a plan actually costs and covers depends on the plan and the county you live in, and it can change from year to year. The plan's own documents, such as its Summary of Benefits and Evidence of Coverage, are what govern your coverage. If anything on the Site differs from a plan's documents, the plan's documents control.

Dates and deadlines shown on the Site are general. Your own enrollment timing can be different, and some people qualify to enroll at other times of the year. Talk with a licensed advocate before making any coverage decision.

We work to keep the Site accurate and current, but Medicare rules and plan details change, and we do not promise that everything on the Site is complete or up to date at the moment you read it.

Medicare and Insurance Disclaimers

Veteran Health Solutions LLC is not affiliated with or endorsed by the U.S. government, the federal Medicare program, the Centers for Medicare and Medicaid Services, the Department of Veterans Affairs, the Department of Defense, or TRICARE. Medicare has neither reviewed nor endorsed the information on this Site.

We do not offer every plan available in your area. Any information we provide is limited to the plans we do offer in your area. Please contact Medicare.gov, 1-800-MEDICARE (TTY users 1-877-486-2048), 24 hours a day, 7 days a week, or your local State Health Insurance Assistance Program (SHIP) to get information on all of your options.

Plan availability, benefits, premiums, and costs vary by plan and by county, and not every plan offers every benefit. A Part B premium reduction is a benefit of certain Medicare Advantage plans that lowers the Part B premium you pay. It is not offered by every plan, and the amount varies by plan and location. You must continue to pay your Medicare Part B premium unless it is paid for you by Medicaid or another third party.

We are licensed to sell insurance products in the states where we are authorized to operate. Contact us to confirm availability where you live.

Enrollment and Plan Decisions

We do not issue insurance and we do not decide who is eligible. If you choose to enroll, your application goes to the insurance carrier, and your enrollment depends on your eligibility and on approval by the carrier and Medicare. Once you are enrolled, your coverage is a contract between you and the carrier, under the plan's own documents.

Doctor and pharmacy networks, drug lists, and plan benefits can change. Before you enroll, a licensed advocate will review your current coverage, including VA and TRICARE benefits, with you. It is still your responsibility to confirm with the plan and with your doctors that the plan fits your needs.

Intellectual Property

All content on this Site, including text, graphics, logos, images, video, and the overall design, is the property of Veteran Health Solutions LLC or its content suppliers and is protected by applicable intellectual property laws. You may view the Site and print pages for your own personal use. You may not reproduce, distribute, modify, or create derivative works from any content on this Site for any other purpose without our prior written permission.

Third-Party Links and Services

The Site may contain links to third-party websites, including insurance carriers, appointment tools, and government resources such as Medicare.gov. These links are provided for convenience only. We do not control, endorse, or assume responsibility for the content or privacy practices of any third-party site. Your use of third-party sites is at your own risk.

Accessibility

We want everyone to be able to use this Site, including people who use larger text or assistive technology. If any part of the Site is hard for you to read or use, please contact us and we will get you the same information another way.

Disclaimer of Warranties

THE SITE AND ITS CONTENT ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SITE WILL BE UNINTERRUPTED, ERROR-FREE, OR FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS.

Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, VETERAN HEALTH SOLUTIONS LLC AND ITS OFFICERS, EMPLOYEES, REPRESENTATIVES, AND AFFILIATES SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM YOUR USE OF OR INABILITY TO USE THE SITE, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. OUR TOTAL LIABILITY TO YOU FOR ANY CLAIM ARISING UNDER THESE TERMS SHALL NOT EXCEED $100.

Some states do not allow certain warranty disclaimers or limits on liability, so some of the limits above may not apply to you. Nothing in these Terms takes away a right you have under Medicare rules or insurance law that cannot be waived.

Indemnification

You agree to indemnify, defend, and hold harmless Veteran Health Solutions LLC and its officers, directors, employees, and representatives from any claims, liabilities, damages, losses, or expenses (including reasonable attorneys' fees) arising out of your misuse of the Site, your violation of these Terms, or your violation of any rights of a third party.

Privacy

Your use of the Site is also governed by our Privacy Policy, which is incorporated into these Terms by reference. Please review it to understand how we collect, use, and protect your personal information.

Governing Law and Dispute Resolution

These Terms shall be governed by and construed in accordance with the laws of the State of California, without regard to its conflict of law provisions. Any dispute arising from or relating to these Terms or your use of the Site shall be resolved exclusively in the state or federal courts located in Los Angeles County, California, and you consent to the personal jurisdiction of those courts.

If you have a concern, please contact us first. Most questions can be settled with a conversation.

Changes to These Terms

We may update these Terms from time to time. When we do, we will revise the "Last Updated" date at the top of this page. Your continued use of the Site after we post changes means you accept the updated Terms. We encourage you to review this page periodically.

Entire Agreement

These Terms, together with our Privacy Policy, are the entire agreement between you and Veteran Health Solutions LLC about your use of the Site, and they replace all prior agreements, understandings, and representations about it. If any part of these Terms is found to be unenforceable, the rest stays in effect. If we do not enforce a part of these Terms, that does not mean we have given up the right to enforce it later.

Contact Us

If you have any questions about these Terms of Service, please contact Veteran Health Solutions LLC at 410 E Route 66, Glendora, CA 91740, by email at info@veteranhealthsolutions.net, or through our website at veteranhealthsolutions.net.