Terms of Service  

1. We are happy to set up phone, Zoom, Skype or face to face  appointments during normal working hours.  Here’s our  scheduling tool.
   1. Outside of normal hours may be available on request
2. Prior to the meeting, we ask that you:
   1. For Health Insurance get a quote – proposal so that we have a “start” on the information we need to help you
      1. If it’s not Open Enrollment, that you review the Special Enrollment Reasons – Triggers.
   2. We also need to have any relevant documents emailed or uploaded via secure site to us prior to the meeting so that we can review them, to help you file an appeal or get the issue resolved.
      1. We’ve learned that we must read documents, legal codes, Insurance Company rules, three times and when we think we understand them, to read them again, per Justice Felix Frankfurther.
   3. A list of your Questions – Set an Agenda 
      1. so we can research your issues and be able to ask you the correct questions to help you.
         1. No surprise questions.
         2. If you have documents for use to review or something you want to tell us about, please send that beforehand so we can research it.
            1. We have to attest that we gave you all the information to make an informed decision.
   4. If you are with Covered CA – that you appoint us as your agent, Instructions.
      1. If you don’t like our service, you can always change it later.
3. We will send you the relevant brochures, Insurance Company rules, Law and information via email prior to the meeting, so that we both have them for review and reference, as mandated by conservative interpretations of law and regulations – for example Humana’s rules.
   1. You may only rely on the printed word with a bonafide citation to actual law or relevant brochure… not anything that we may have said, interpreted or that you think we said.   We will email them to you after the meeting, if they were not in what we sent prior to the meeting.
4. Just meet us on Zoom at the appointed time.
   1. That way we can review everything before we call and have the information on our monitors and at our finger tips.
5. Competent adults must contact us directly.  We will not and are not allowed to transact Insurance – a legal document, through 3rd parties or their parents?
   1. Parents – Advisers can always ask questions on our website.
      1. can read any of the quotes and emails we send to the person they are trying to help.
6. If you want to discuss Medicare Advantage and/or Part D Rx plans, everyone must sign a scope of appointment 2 days prior to the meeting.
   1. If you are not able to download, sign and return the scope of appointment, just send an email that your read, understood and agree to it.  We can also record your consent.
   2. Federal Law might mandate the meeting be recorded under CFR 42 § 422.2274  We are waiting for official guidance.
7. Under ACA/Health Care Reform commissions have been cut, thus we concentrate on helping our clients with the complicated, convoluted parts of insurance.
   1. If the relevant insurance company has an online affiliate application – link, we expect that you will be able to complete the application.  This generally takes 20 to 30 minutes.
      1. We can help, but we would rather concentrate our time on the complicated things…
      2. View President Trump’s Speech on how complicated Health Insurance is.
8. There is NO Charge for meeting with you.  We are compensated by the Insurance Companies to help you.  If they don’t pay us, they have to pay their employees to spend hours on hold with you.
   1. There are times, when people ask us to do research, tutoring and education and since the Insurance Company won’t be paying us, like if they are getting coverage from their employer, other insurance agents, attorney’s, they feel they are obligated to buy from their cousin in the business, Medi Cal, SSI, etc. that you can pay us directly for our time.  Click here to learn more.
      1. Questions in the FAQs / Ask Us a Question  are done at no charge, as they are mutually beneficial, you get an answer, we get a more robust and informative website.
9. Privacy – Nothing you tell us leaves our office – except what goes on an Insurance Application, Quote or Claim form.  We do not sell you information!  Learn More:
   1. Privacy Statement
      1. Privacy – Federal HIPAA
         • CA Privacy Laws – Mandated Records Retention
           • Right to review your Medical Records
         • Email Privacy
   2. Web site Visitor Agreement

Our Medicare Advantage Mandatory Training AHIP
talks of documenting every sales call.

So, we will send you an email follow up, after a call, meeting or zoom meeting.  Please note, ID cards are not issued in 24 hours, may take two weeks.

Medicare.Gov
Rules on Sales Meetings

During the meeting, Medicare plans and people who work with Medicare can’t:

• Communicate incorrect information about their plan type or use inappropriate statements like their plan is “the best” or “highest ranked.”
• Tell you about other plan options you haven’t agreed to discuss, unless you specifically ask about them (to discuss these options, you need to complete a separate scope of appointment form).
• Give you written information with a complete description of how the plan works.

During the meeting, Medicare plans and people who work with Medicare can:

• Give you plan materials.
• Tell you how to get more plan information.
• Tell you about the plan options you agreed to discuss.

• Zoom Meeting Terms & Conditions – Expectations
• CMS – Best Practices for handling Personally Identifiable Information
• Defendant Glenn Andrew Neasham, a licensed insurance agent, appeals his conviction for committing theft from an elder and dependent adult by selling her an annuity policy which the prosecutor argued to the jury “was an unsuitable product for her age”  
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Art of Fighting without Fighting
Bruce Lee – Enter the Dragon