TERMS & CONDITIONS

Effective Date: August 19, 2026

Welcome to Haddy Health Insurance. These Terms & Conditions (“Terms”) govern your use of the Haddy Health Insurance website and the information, forms, appointment scheduling, Medicare review requests,

and other services made available through this website. By using this website, you agree to these Terms.

INFORMATIONAL PURPOSES

Information provided on this website is for general informational and educational purposes and is

not intended to constitute legal, tax, medical, or financial advice.

Insurance plan availability, benefits, premiums, copayments, deductibles, provider networks, formularies, eligibility requirements, and other plan details may vary by location, carrier, plan, and individual circumstances and may change.

INSURANCE SERVICES

Haddy Health Insurance provides insurance information and assistance through licensed insurance

agents where properly licensed and authorized.

Submitting a website form, requesting information, requesting a Medicare review, or scheduling

an appointment does not create an insurance contract and does not guarantee eligibility, enrollment,

coverage, benefits, or acceptance by an insurance carrier.

Insurance coverage becomes effective only in accordance with the applicable insurance carrier's

requirements and confirmation of enrollment or coverage.

MEDICARE INFORMATION

Haddy Health Insurance is not affiliated with or endorsed by the U.S. government or the federal Medicare program.

We do not offer every plan available in your area. Currently we represent organizations which offer products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance

Assistance Program (SHIP) to get information on all of your options.

Medicare plan availability and information depend on your location and eligibility. Plan information should

be verified using applicable carrier and official Medicare materials before enrollment.

WEBSITE FORMS AND MEDICARE REVIEW REQUESTS

When submitting information through our website, you agree to provide information that is accurate

and complete to the best of your knowledge.

Information submitted through our forms may be used to respond to your inquiry,

conduct a requested Medicare review, schedule appointments, provide requested insurance information,

and communicate with you as described in our Privacy Policy.

APPOINTMENTS

Appointment availability displayed on our website is subject to change. Scheduling an appointment

does not guarantee eligibility for any particular insurance plan or product.

We may contact you regarding an appointment you requested, including confirmations, reminders,

rescheduling, or other service-related communications.

SMS AND TEXT MESSAGE TERMS

If you separately opt in to receive text messages from Haddy Health Insurance, you may receive messages

concerning your inquiry, Medicare review, appointments, reminders, and related customer service communications.

Message frequency may vary. Message and data rates may apply.

Reply STOP to opt out at any time. Reply HELP for assistance.

Consent to receive text messages is not a condition of purchasing goods or services.

SMS consent and mobile information will not be shared with third parties or affiliates for marketing or promotional purposes.

PRIVACY

Your use of this website is also subject to our Privacy Policy. Please review our Privacy Policy for information

about how we collect, use, disclose, and safeguard personal information.

THIRD-PARTY WEBSITES AND SERVICES

Our website may contain links to third-party websites, insurance carriers, government resources, or other services. Haddy Health Insurance does not control and is not responsible for the availability, content, security, accuracy,

or privacy practices of third-party websites.

WEBSITE AVAILABILITY AND ACCURACY

We strive to provide accurate and useful information; however, we do not guarantee that all website

content will always be complete, current, or error-free.

We may update, modify, suspend, or discontinue website content or functionality at any time.

INTELLECTUAL PROPERTY

Unless otherwise indicated, the content, branding, graphics, text, and other materials appearing on this

website are owned by or licensed to Haddy Health Insurance and are protected by applicable intellectual property laws.

You may use this website for personal, non-commercial purposes. You may not reproduce, distribute, modify,

or commercially exploit website content without authorization.

LIMITATION OF LIABILITY

To the extent permitted by applicable law, Haddy Health Insurance will not be liable for indirect, incidental,

special, or consequential damages arising from your use of, or inability to use,

this website or reliance upon information provided through it.

Nothing in these Terms limits any rights or remedies that cannot legally be limited under applicable law.

GOVERNING LAW

These Terms are governed by applicable federal law and the laws of the State of Florida, without regard

to conflict-of-law principles.

CHANGES TO THESE TERMS

We may update these Terms periodically to reflect changes to our website, services, business practices, or applicable requirements. Updated Terms will be posted on this page with a revised effective date.

CONTACT INFORMATION

Haddy Health Insurance
Phone: (561) 800-1800
Email: [email protected]
Website: haddyhealthinsurance.com

If you have questions regarding these Terms & Conditions, please contact us using the information above.