Terms and Conditions of Use
Welcome to Medigapdirect.com!
Our goal is to be your reliable source for health and supplemental insurance, providing you with online tools to find the best plan, assist you in making informed insurance decisions, and helping you save money.
Our Terms and Conditions of Use maybe updated periodically and the date of the changes will be posted on this page. Continued use of our website signifies you agree to the updates Terms and Conditions of Use.
For the purposes of these Terms and Conditions of Use, "Medigapdirect.com," "Medigapdirect," "we," "us," and "our" refer to Medigapdirect Inc., and if applicable, its subsidiaries, and affiliates.
The terms "either one of us'" "we each," and "we both" will refer to us, on one hand, and you, on the other.
About Our Company
Medigapdirect.com is a full service health insurance brokerage focusing on direct to consumer relations via our revolutionary web based enrollment platform. Our energy has been spent creating the most user friendly and streamlined interface for the general public in the individual marketplace. We offer what we feel is the most robust portfolio of short term medical and ancillary health related products in one place on the web. Our platform gives users tools that are easy to understand and use to perform searches, do comparisons, receive quotes, and ultimately enrollment for all their health insurance needs.
As a company we are dedicated to providing the general public, through technology, an abundance of alternative health insurance options separate from the traditional and often confusing ‘Marketplace’ they may be used to. In addition to our web platform we have a full staff of licensed insurance professionals and customer service personnel standing by to assist with any and all questions and/or guidance a user may have or need.
What We Do
Medigapdirect.com provides the tools that allow you to search for health plans, make comparisons of plans, and apply for a health insurance plan. We are your source for health insurance information.
Medigapdirect is not an insurance carrier, therefore we do not underwrite your insurance policy, and we do not process or manage insurance claims. The insurance carrier for your policy will handle those services.
What We Are
Our culture believes that health insurance is not a one size fits all. We are proud to offer term health insurance as an affordable alternative to the high priced premiums of ACA Marketplace plans.
Term health Insurance is not an approved Obamacare plan, so you may be required to pay the Affordable Care Act Uninsured Tax penalty. However there are many exceptions to the tax and often people who are required to pay the tax penalty will still save money purchasing a term health plan.
Be an Informed Consumer
Our goal is to help consumers find the best health insurance coverage and if you find a health plan through NationsHealthInsurance we are happy to have been able to assist you. However, be an informed consumer.
PLEASE, DO NOT CANCEL AN EXISTING INSURANCE POLICY UNTIL YOU HAVE RECEIVED A WRITTEN CONFIRMATION FROM THE INSURANCE CARRIER THAT YOUR NEW POLICY IS IN EFFECT.
Ownership of Website Content
Medigapdirect owns our website, all information concerning us and our services. This includes without limitation audio and video clips, button icons, data compilations, digital downloads, graphics, images, logos, software, text, and all information that appears on our website or that is part of our services. We also owns all copyright, trademarks, service marks, and trade names related to Medigapdirect.com.
Our website may present material licensed from or on behalf of a third party. All third party information is the sole property its owners.
Medigapdirect.com welcomes your comments, questions, and feedback. Please remember if you do submit content to us, you are legally representing that you have the right to do so. Please not if the information is not yours, or you do not have permission to share such information, do not share information that is confidential or proprietary. By sharing your comments and feedback with us you are granting us ownership of the material, even if it is contains your ideas to improve our services or website. 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 rights to your ideas please do not submit them.
If you believe any content on our website violates your copyright, please let us know by following the instruction for Notice of Copyright Infringement.
Using our Website
Medigapdirect encourages you to use our website and tools to search, explore, learn, compare, select, and apply for health insurance products. Under out Terms and Conditions of Use you agree that your use of our website is for personal reasons and not for commercial purposes. In other words, our website is only intended for use by individuals to purchase health insurance for themselves and their families.
To use our website you must be at least 18 years of age or legally emancipated with the legal ability to enter into contracts. This website is intended for an audience from the United States; if you are using our website from a foreign country, beware that you must comply with the laws of the United States AND the laws of that country.
Information provided to Medigapdirect must be accurate and up-to-date. It is illegal to use our website to make false or fraudulent applications or purchases.
Do not use programs to frame our website or impede its operations. This includes the use of technologies such as "robots," "page-scrapers," "spiders," and "deep-links."
In addition users are responsible for keeping their account information, sign-in and password information secure. Notify us immediately if you suspect the security of you account has been compromised.
Links to Third Parties
Our website may contain links to third parties. While we hope you are able to gain knowledge from these sites, we have no control over their content. It is our intention to provide you with these links as a source of information but in no way do we endorse or approve their content.
Our goal at Medigapdirect.com is to become your partner in purchasing health insurance. If a dispute does arise, then we each agree that the laws of the State of Florida, U.S.A., excluding conflict of laws rules will govern. If the dispute is not eligible for resolution through the JAMS Alternative Dispute Resolution process, then we each agree that the claims can only be litigated in the federal or state courts of U.S.A. and we each agree to abide by these courts' personal jurisdiction.
Termination of Agreement
Either one of us can terminate this Agreement at any time. Medigapdirect may terminate your access to our website and our services at any time without prior notice. You may terminate the Agreement by cancelling your account, unsubscribing to our emails, and by not using our website. Medigapdirect.com will respect your request.
However, if you have a pending application for health insurance we may be legally obligated to keep you informed on the application's status. All provisions of our Terms and Conditions of Use that would logically apply after termination, such as, but not limited to, Content Ownership and any Disputes will endure.
Disclaimer of Warranty and Limitations of Liability
The law requires set out our disclaimer of warranty and limitations of liability in all capital letters. This section may be long and look boring but it is 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 laws of each state govern the sale of insurance products. The insurance products and services on our website are intended people in those states in which these products and services may be legally sold. Medigapdirect.com does not solicit products or offer to sell any insurance product or service to any person in any jurisdiction where such an offer, solicitation, purchase, or sale would be unlawful.
Access to Website
The use of Medigapdirect.com affirms you are at least years of age and have the legal authority to use the website. Product are available to adults only, we do not sell products to minors.
Legal Jurisdictions Only
The insurance products and services described on the website of Medigapdirect.com are only offered for sale to persons in those states and jurisdictions where the products and services may legally be sold. Medigapdirect.com does not solicit products or offer to sell any insurance product or service to any person in any jurisdiction where such an offer, solicitation, purchase, or sale would be unlawful.
The website of Medigapdirect.com is made available to you by agents or brokers licensed in their respective state which requires insurance transactions be conducted through a legally licensed agent or broker.