Terms and Conditions
Effective Date: May 29, 2025
1. Introduction
Welcome to Health Insurance Jedi (healthinsurancejedi.com). By accessing or using our website, services, or providing your contact information, you agree to comply with and be bound by these Terms and Conditions. If you do not agree, please do not use our website or services.
2. Company Information
Health Insurance Jedi is an independent health insurance agency providing health insurance consultation, enrollment assistance, and related services. We are licensed insurance agents/brokers operating in compliance with applicable state and federal insurance regulations.
3. Use of Website and Services
You agree to use this website for lawful purposes only and to refrain from engaging in any activities that may disrupt, damage, or interfere with the website’s functionality. You are responsible for maintaining the confidentiality of any account information and ensuring all information provided is accurate and current.
4. Services Offered
Health Insurance Jedi provides:
- Health insurance plan consultation and comparison
- Enrollment assistance for individual and family health plans
- Medicare Advantage and Medicare Supplement plan guidance
- Small business group health insurance solutions
- Health Savings Account (HSA) and benefits consultation
- Claims assistance and customer support
- Insurance policy reviews and renewals
- Educational resources about health insurance options
All services are subject to availability, state licensing requirements, and may be modified, suspended, or discontinued at any time without prior notice.
5. SMS/Text Messaging Terms and Consent
5.1 Consent to Receive Messages
By providing your mobile phone number, you expressly consent to receive text messages (SMS) and multimedia messages (MMS) from Health Insurance Jedi. These messages may include:
- Health insurance plan information and updates
- Enrollment deadlines and reminders
- Appointment confirmations and scheduling
- Policy renewal notifications
- Educational content about health insurance
- Promotional offers for insurance products
- Customer service and support messages
5.2 Message Frequency
Message frequency varies based on your interaction with our services and insurance enrollment periods. You may receive up to 15 messages per month, with increased frequency during open enrollment periods.
5.3 Standard Rates Apply
Message and data rates may apply. Check with your mobile carrier for details about your messaging plan and potential charges.
5.4 Opt-Out Instructions
You may opt out of receiving text messages at any time by:
- Replying “STOP” to any text message
- Texting “UNSUBSCRIBE” to our messaging number
- Calling us at (602) 908-7198
- Contacting us through our website contact form
After opting out, you will receive one final confirmation message.
5.5 Help Information
For help or support, reply “HELP” to any message or contact us at (602) 908-7198 or through our website.
6. Insurance Services Disclaimer
6.1 Independent Agent Status
Health Insurance Jedi operates as an independent insurance agent/broker. We are not employees of any insurance company and represent multiple insurance carriers to provide you with options.
6.2 No Guarantee of Coverage
We cannot guarantee that any insurance application will be approved or that coverage will be issued. Final approval and coverage terms are determined by the insurance carriers.
6.3 Accuracy of Information
While we strive to provide accurate information about insurance plans and benefits, insurance terms and conditions are subject to change. You should always review official plan documents and insurance contracts for complete details.
6.4 Not Medical or Legal Advice
Our services do not constitute medical, legal, or tax advice. We recommend consulting with appropriate professionals for specific medical, legal, or tax guidance.
7. Client Responsibilities
7.1 Accurate Information
You agree to provide accurate, complete, and current information during the insurance application and enrollment process. Providing false or misleading information may result in denial of coverage or cancellation of your policy.
7.2 Premium Payments
You are responsible for paying insurance premiums directly to the insurance carrier according to the terms of your policy. We do not collect or process premium payments.
7.3 Policy Management
While we assist with enrollment and provide ongoing support, you are ultimately responsible for understanding your policy terms, managing your coverage, and communicating with your insurance carrier as needed.
8. Compensation and Fees
8.1 Commission Structure
Health Insurance Jedi is compensated through commissions paid by insurance carriers for policies sold. These commissions do not increase the cost of your insurance premium.
8.2 No Direct Fees
We do not charge direct fees to clients for standard consultation and enrollment services. Any fees for specialized services will be clearly disclosed in advance.
8.3 Third-Party Payments
Any payments for insurance premiums or related services should be made directly to the insurance carrier, not to Health Insurance Jedi, unless specifically arranged otherwise.
9. Privacy and Data Protection
We are committed to protecting your privacy and personal health information. By using our services, you acknowledge that we may collect, use, and share your personal information as described in our Privacy Policy. We comply with applicable privacy laws including HIPAA where applicable.
10. Intellectual Property Rights
All content on this website, including but not limited to text, graphics, logos, images, and software, is the property of Health Insurance Jedi or its licensors and is protected by copyright, trademark, and other intellectual property laws. You may not reproduce, distribute, or create derivative works without express written permission.
11. User Conduct and Prohibited Activities
You agree not to:
- Use our services for any unlawful purpose or in violation of insurance regulations
- Provide false or misleading information during the insurance application process
- Attempt to gain unauthorized access to our systems or client information
- Interfere with or disrupt our services or systems
- Use our services to commit insurance fraud or other illegal activities
- Violate any applicable laws or regulations
12. Disclaimers and Limitation of Liability
12.1 Service Disclaimer
Our services are provided “as is” without warranties of any kind. We do not guarantee specific insurance outcomes, coverage approval, or premium rates.
12.2 Limitation of Liability
To the fullest extent permitted by law, Health Insurance Jedi shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of coverage, medical expenses, or business opportunities.
12.3 Maximum Liability
Our total liability to you for any claims arising from or related to these terms shall not exceed the amount of commissions we received for your insurance policy in the 12 months preceding the claim.
12.4 Insurance Carrier Responsibility
We are not responsible for the actions, decisions, or financial stability of insurance carriers. Claims and coverage disputes should be directed to your insurance carrier.
13. Compliance with Laws
13.1 Insurance Licensing
Health Insurance Jedi maintains appropriate insurance licenses as required by applicable state regulations. Our license information is available upon request.
13.2 Telecommunications Compliance
We comply with the Telephone Consumer Protection Act (TCPA), CAN-SPAM Act, and other applicable telecommunications regulations. Our messaging practices adhere to industry standards and carrier requirements.
13.3 Healthcare and Privacy Laws
We comply with applicable healthcare and privacy laws, including HIPAA where applicable, state insurance regulations, and consumer protection laws.
14. Open Enrollment and Special Enrollment Periods
14.1 Enrollment Deadlines
Health insurance enrollment is subject to specific open enrollment periods and special enrollment period rules. We will inform you of applicable deadlines, but you are responsible for meeting enrollment requirements.
14.2 Plan Changes
Insurance plans, benefits, and networks may change annually. We will assist with plan reviews and renewals, but you should verify current plan details with your insurance carrier.
15. Termination
We reserve the right to terminate our services at any time, with or without cause, including for violation of these terms or applicable laws. You may discontinue our services at any time. Termination of our services does not affect your existing insurance coverage with carriers.
16. Governing Law and Dispute Resolution
These Terms and Conditions shall be governed by and construed in accordance with applicable federal law and the laws of the State of Arizona. Any disputes shall be resolved through binding arbitration or in the appropriate courts having jurisdiction in Arizona.
17. Contact Information
For questions about these Terms and Conditions, to opt out of communications, or for customer service:
Health Insurance Jedi
Website: https://healthinsurancejedi.com/
Phone: (602) 908-7198
Email: support@healthinsurancejedi.com
Address: 3930 E. University Drive Mesa, AZ 85205
For insurance-related emergencies or urgent matters, please contact your insurance carrier directly or call 911 for medical emergencies.
18. Changes to Terms
We reserve the right to modify these Terms and Conditions at any time. Changes will be effective immediately upon posting on our website. Your continued use of our services after changes are posted constitutes acceptance of the modified terms.
19. Severability
If any provision of these Terms and Conditions is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary so that the remaining terms remain in full force and effect.
20. Entire Agreement
These Terms and Conditions, together with our Privacy Policy, constitute the entire agreement between you and Health Insurance Jedi regarding the use of our website and services.
Last Updated: May 29, 2025
By using our services or providing your contact information, you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions.
