TERMS OF USE

Updated 3-3-20

Who We Are

TIBHealth.com is owned by Total Insurance Brokers Inc, a licensed insurance agency. You can find out more about the company's state-specific insurance licenses below. We are part of the Health Insurance Innovations, Inc. (NASDAQ HIIQ) family of companies, which includes Health Plan Intermediaries Holdings, LLC. d/b/a Health Insurance Innovations (in California the d/b/a HIIQ Insurance Solutions), Together Health, PAP LLC, Total Insurance Brokers, LLC, Healthinsurance.com, and American Services Insurance Agency, LLC, among others. For the purposes of these Terms of Use, "Total Insurance Brokers," " "tibhealth," "we," "us" and "our" refer to Total Insurance Brokers Inc, if applicable, its parent, subsidiaries and affiliates. The terms "either of us," "we each," or "we both" shall refer to us, on the one hand, and you, on the other.

 

What We Do

We provide the tools so that you can search, compare, find and apply for health insurance products. Think of us an engine of information.

If you contact our dedicated call center via the toll-free number listed on our site, then our licensed agents will help you select and apply for a health plan. We will submit your application to the carrier/underwriter.

We are not an insurance carrier, so we don't underwrite your insurance and we don't process or manage insurance claims. The insurance carrier handles those services.

 

Existing Insurance Coverage

If you've found a health insurance plan through us, we are thrilled that we were able to help. However, be Insurance Wise. DO NOT CANCEL ANY EXISTING INSURANCE UNTIL YOU RECEIVE WRITTEN CONFIRMATION FROM THE INSURANCE COMPANY TO WHICH YOU ARE APPLYING THAT YOUR NEW POLICY IS IN EFFECT.

 

Content Ownership

We own our website, information concerning us, and our services. This includes, without limitation, text, images, software, graphics, button icons, audio and video clips, digital downloads, data compilations, logos and information that appear on our website or are part of our services. We also own all copyrights, trademarks, service marks, and trade names related to us. We may present information on behalf of or licensed from a third party. This third-party information is proprietary to its owners. We welcome your questions, comments and feedback. Please remember that if you submit content to us, then you are legally representing that you have the right to do so. If you do not have permission, do not share information that is confidential or proprietary. By sending us your comments, you are granting us ownership to those materials, even if they include ideas to improve our site. We can share those ideas without your consent, we do not have to pay you for them, and we may already be considering them. If you prefer to retain your rights, please do not submit your material. If you believe the content on our site violates your copyright, please let us know by following the Copyright Procedure.

 

How to Use Our Website

Our website is your partner and a powerful tool. We encourage you to use our site-learn, explore, search, compare, select and apply for health insurance products. Your use, however, must be for personal, non-commercial purposes. In other words, our site is intended for individuals to compare and shop for themselves and their families only. You must also be at least 18 years old or legally emancipated with the ability to enter into contracts. And, since our website is intended for a U.S. audience, if you're visiting our site from another country, keep in mind that you will have to comply not just with U.S. law, but the laws of that country. The information that you provide to us must be accurate and up-to-date. Do not use our website to make false or fraudulent applications or purchases. Do not use programs to frame our site or impede our site operations. This includes technology like "deep-links," "page- scrapes," "robots," and "spiders." In addition, you are responsible for keeping your passwords, login and account information secret. Be Web Wise! And notify us immediately if you believe your account or information has been compromised.

 

Third Party Links

Sometimes our site includes links to third parties. While we hope that these sites are informative, we do not control their content. Including these links on our site is not a sign that we endorse or approve them.

Termination

Either of us can end this Agreement at any time. We may terminate your access to our site and services for any reason without prior notice. You can terminate by cancelling your account, unsubscribing to our emails, and stopping your use of our site. We will respect your request. If you have a pending health insurance application, however, we may be legally obligated to keep you updated on its status. Also, any provisions of these Terms of Use that would logically apply after termination, such as (but not limited to) Content Ownership and Disputes, will survive.

 

Disputes

You are our VIP and we hope that we become your go to health insurance site. If a dispute does arise, however, then we each agree that the laws of the State of Florida, U.S.A., excluding its conflict of laws rules, will govern. If the dispute is not eligible for the JAMS Alternative Dispute Resolution process, then we each agree that the claims can only be litigated in the federal or state courts of Hillsborough County, Florida and we each agree to these courts' personal jurisdiction.

 

Disclaimer of Warranty and Limitation of Liability

The law requires that we set out our disclaimer of warranty and limitation of liability in all caps. This section may be long and look boring, but it's important. Please read it. YOU EXPRESSLY AGREE THAT USE OF OUR SITE IS AT YOUR SOLE RISK. THE MATERIAL PROVIDED ON THE SITE IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS. TO THE FULLEST EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING WITHOUT LIMITATION, WARRANTIES OF TITLE, NONINFRINGEMENT, OR IMPLIED WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE WITH RESPECT TO THE WEBSITE, ANY USE OF THE WEBSITE AND ANY WEBSITE TO WHICH THE WEBSITE IS LINKED. WE WILL NOT BE LIABLE FOR ANY DAMAGES OF ANY KIND ARISING FROM THE USE OF THIS SITE, INCLUDING, BUT NOT LIMITED TO DIRECT, INDIRECT, INCIDENTAL, PUNITIVE, AND CONSEQUENTIAL DAMAGES, EVEN IF WE ARE MADE AWARE OF THE POSSIBILITY OF SUCH DAMAGES. WE DO NOT WARRANT THAT THE MATERIAL ON THE WEBSITE IS COMPLETE OR ACCURATE, THAT USE OF THIS WEBSITE WILL BE UNINTERRUPTED OR ERROR FREE, OR THAT THIS WEBSITE OR SERVER OR ANY MATERIAL ON THIS WEBSITE IS FREE OF DISABLING DEVICES. CERTAIN STATE LAWS DO NOT ALLOW LIMITATIONS ON IMPLIED WARRANTIES OR THE EXCLUSION OR LIMITATION OF CERTAIN DAMAGES. IF THESE LAWS APPLY TO YOU, SOME OR ALL OF THE ABOVE DISCLAIMERS, EXCLUSIONS, OR LIMITATIONS MAY NOT APPLY TO YOU, AND YOU MIGHT HAVE ADDITIONAL RIGHTS.

Legal Jurisdictions Only

The sale of insurance products is governed by laws that differ from state to state. The products and services on our site are intended only for those persons in states and jurisdictions where these products and services may be legally sold. Nothing on our site shall be considered a solicitation to buy or an offer to sell any products or services to any person in any jurisdiction where such an offer, solicitation, purchase or sale would be unlawful.

 

Access

By using TIBHealth.com, you warrant that you are at least 18 years of age and possess the legal authority to use TIBHealth.com We do not sell products to minors, but we sell them to adults.

 

Consent to receive emails and phone calls.

Via our site or via our call center, you may be asked to provide your contact information. We use your contact information to communicate information about insurance plans, market insurance plans, and provide customer service to you including helping you to select and apply an insurance plan as well as preparing for enrollment deadlines and learning about new products and services. You will be asked to provide your express consent to receive emails and phone calls via automatic telephone dialing system or by artificial/pre-recorded message, or by text message, from representatives or agents, Total Insurance Brokers, Inc. and our partner companies (as described in these Terms of Use and our Privacy Policy) at the email address and telephone number you provide, including your wireless number if provided, message and data rates may apply. You may revoke your consent at any time by selecting the unsubscribe link in an email, informing the caller, opting out of text, or contacting us directly (insert link to privacy policy).

 

If you are Medicare-eligible, a licensed sales agent will call you about Medicare plan options including Medicare Advantage, Medicare supplement and Prescription Drug plans by phone or email. Agreeing to be contacted does not affect your current Medicare Part A and Part B enrollment, nor will it enroll you in a Medicare Advantage Plan, Prescription Drug Plan, or other Medicare plan.

 

Consent to Receive Mobile Communications

To receive communications via text, Text JOIN to 11111. Message and data rates may apply.
By opting in to this service, you consent to receive mobile text alerts using an automatic telephone dialing system. Consent to receive marketing text messages is not required as a condition of purchasing any goods or services. By signing up, you are confirming you are over the age of 13.

Texting does NOT affect your current Medicare Part A and Part B enrollment, nor will it enroll you in a Medicare Advantage Plan, Prescription Drug Plan, or other Medicare Plan.

STOP INFORMATION

Text STOP to 11111 to stop receiving TIBHealth ALERT messages from Total Insurance Brokers (you will receive a confirmation text).

HELP INFORMATION

For additional information, text HELP to 11111 or contact 877-771-6866.

Supported carriers are:

AT&T, Sprint, T-Mobile®, Verizon Wireless, Boost, Cricket, MetroPCS, U.S. Cellular, Virgin Mobile, ACS Wireless, Appalachian Wireless, Bluegrass Cellular, Carolina West Wireless, Cellcom, C-Spire Wireless (formerly Cellsouth), Cellular One of East Central Illinois, Cincinnati Bell Wireless, Cross (dba Sprocket), Duet IP, Element Mobile, EpicTouch, GCI Communications, Golden State, Hawkeye (Chat Mobility), Hawkeye (NW Missouri Cellular), Illinois Valley Cellular, Immix (Keystone Wireless / PC Management), Inland Cellular, iWireless, Mobi PCS (Coral Wireless LLC), Mosaic, MTPCS / Cellular One (Cellone Nation), Nex-Tech Wireless, nTelos, Panhandle Telecommunications, Peoples Wireless, Pioneer, Plateau, Revol Wireless, Rina - Custer, Rina - All West, Rina - Cambridge Telecom Coop, Rina - Eagle Valley Comm, Rina - Farmers Mutual Telephone Co, Rina - Nucla Nutria Telephone Co, Rina - Silver Star, Rina - South Central Comm, Rina - Syringa, Rina - UBET, Rina - Manti, South Canaan / CellularOne of NEPA, Thumb Cellular, Union Wireless, United, Viaero Wireless, West Central Wireless, Leaco, Nemont/Sagebrush.

T-Mobile is not liable for delayed or undelivered messages.

We take your privacy seriously. Please visit http://tibhealth.com/index.php/privacy to review our privacy policy