Medicare disclaimers

Medicare Benefits Solutions is a non-government website. The www.medicarebenefits.com website provides information on Medicare-approved HMO plans, PPO plans, PFFS plans, POS plans, prescription drug plans offered by Medicare-approved Part D sponsors, and information on certain Medicare Supplement Insurance plans. Medicare Benefits Solutions, herein after referred to as “Medicare Benefits”, which is a brand operated by Health Compare Insurance Services Inc., represents multiple plans in most markets.

The benefit information provided is a summary, not a comprehensive description of benefits. To obtain information from the health plan, call (888) 956-7735 — TTY 711 and a Medicare Benefits Licensed Sales Agent can provide you with the customer service telephone number for the health plan from whom you would like to request benefit information. Printed materials may be available in alternative formats or languages. Benefits, formulary, pharmacy network, 'premium and/or copayments/coinsurance may change on January 1, of each year. Plans may not be available to you the following contract year because by law, plans can choose to not renew their contract with the Centers for Medicare and Medicaid Services (CMS) or reduce their service area, and CMS may also refuse to renew the contract, thus, resulting in a termination or non-renewal of the health plan. You must continue to pay your Medicare Part B premium. Limitations, 'copayments, and restrictions may apply. Individuals must have both Part A and Part B to enroll in a MA or MA-PD plan. Members may enroll in the plan only during specific times of the year. You may enroll when you first become eligible for Medicare. In 2011 and subsequent years, you may enroll during the annual election period from October 15 through December 7. You may also enroll in special situations such as if you move, become eligible for Medicaid or Medi-Cal (CA), qualify for Extra Help to pay for your prescriptions, or if you live in an institution.

For some MA and MA-PD plans, you must receive all routine care from plan providers. You must use plan providers except in emergency or urgent care situations. If you obtain routine care from out-of-network providers neither Medicare nor your health plan will be responsible for the costs. For PPO, RPPO, and POS plans, it may cost more to get care from out-of-network providers, except in an emergency or for urgent care. A Medicare Advantage Private Fee-for-Service plan works differently than a Medicare Supplement Insurance plan. 'For certain Medicare Advantage Private-Fee-for-Service plans, your provider is not required to agree to accept the plan's terms and conditions, and thus may choose not to treat you, with the exception of emergencies. If your provider does not agree to accept the plan's payment terms and conditions of payment, they may choose not to provide health care services to you, except in emergencies. If this happens, you will need to find another provider that will accept the plan's payment terms and conditions. Providers can find the plan's terms and conditions on each plan's website. 'For other types of Medicare Advantage Private-Fee-For-Service plans, some plans have network providers (that is, providers who have signed contracts with our plan) for all services covered under Original Medicare and some plans have network providers for only certain services covered under Original Medicare. These providers have already agreed to see members of the plan. If your provider is not one of the network providers for a specific plan, then the provider is not required to agree to accept the plan's terms and conditions, and thus may choose not to treat you, with the exception of emergencies. 'If your provider does not agree to accept the plan's payment terms and conditions, they may choose not to provide health care services to you, except in emergencies. If this happens, you will need to find another provider that will accept the plans payment terms and conditions. Providers can find the plan's terms and conditions on each plan's website. Benefit information is available in alternate formats or languages from the health plan or insurance company offering the plan. Call (888) 956-7735 — TTY 711 and a Medicare Benefits licensed sales agent can provide you with the customer service telephone number for the health plan from whom you would like to request benefit information in an alternate format or language. 'For some plans, Medicare beneficiaries may enroll through the CMS Medicare Online Enrollment Center located at www.medicare.gov.

In general, you must use network pharmacies to access their prescription drug benefit, except in non-routine circumstances, and quantity limitations and restrictions may apply. You may be able to get Extra Help to pay for your prescription drug premiums and costs. To see if you qualify for Extra Help, call: 1-800-MEDICARE (1-800-633-4227). TTY users should call 1-877-486-2048, 24 hours a day/ 7 days a week; the Social Security Office at 1-800-772-1213 between 7:00 a.m. and 7:00 p.m., Monday through Friday. TTY users should call 1-800-325-0778 or your Medicaid Office. Each plan with a prescription drug benefit will have a formulary, or list of drugs covered by the health plan. Formularies may change during the year. For drugs that are not covered, health plans have a process to request an exception for the non-covered drug. Plans with a prescription drug benefit cover both brand name drugs and generic drugs. Generic drugs have the same active-ingredient formula as a brand name drug. Generic drugs usually cost less than brand name drugs and are rated by the Food and Drug Administration (FDA) to be as safe and effective as brand name drugs. Certain drugs may be covered under Medicare Part B or Part D depending upon the circumstances. Information may need to be submitted describing the use and setting of the drug to make the determination.

Medicare Benefits Solutions is a non-government website. By submitting information on this site, I am providing my written consent for Medicare Benefits Solutions, herein after referred to as “Medicare Benefits”, which is a brand operated by HealthCompare Insurance Services Inc., its agents, or affiliates to contact me (even if I’m on a state or national do not call registry) at the phone number or email address listed to provide me with quotes or information about Medicare products. I further consent to such calls or texts sent via autodialer, automated technology, prerecorded message and/or artificial voice. I understand my consent is not a condition of purchase and that I can revoke my consent at any time via medicarebenefits.com/about-us/contact-us. Additional charges may apply to SMS, call, or Internet usage depending on your data providers.

HealthCompare Insurance Services, Inc. is a licensed and certified representative of Medicare Advantage [HMO, HMO SNP, PPO, PPO SNP and PFFS] organizations [and stand-alone PDP prescription drug plans]. Each of the organizations they represent has a Medicare contract. Enrollment in any plan depends on contract renewal.

HealthCompare Insurance Services, Inc. is a licensed, authorized agent of: Anthem Blue Cross of California, Anthem Blue Cross of Colorado, Anthem Blue Cross of Connecticut, Anthem Blue Cross of Georgia, Anthem Blue Cross of Indiana, Anthem Blue Cross of Kentucky, Anthem Blue Cross of Maine, Anthem Blue Cross of Missouri, Anthem Blue Cross of New Hampshire, Anthem Blue Cross of Nevada, Anthem Blue Cross of New York, Anthem Blue Cross of Ohio, Anthem Blue Cross of Virginia, Anthem Blue Cross of Wisconsin, Blue Cross Blue Shield of Illinois, Blue Cross Blue Shield of Montana, Blue Cross Blue Shield of New Mexico, Blue Cross Blue Shield of Oklahoma, Blue Cross Blue Shield of Texas, Capital Blue Cross of Pennsylvania, Highmark of West Virginia, Premera in Washington, Premera in Alaska, UnitedHealthcare and Vibra in Pennsylvania.

The purpose of this communication is the solicitation of insurance. Contact will be made by an insurance agent/producer or insurance company.

For a complete list of available plans please contact 1-800-MEDICARE (TTY users should call 1-877-486-2048), 24 hours a day/7 days a week or consult www.medicare.gov

The plans we represent do not discriminate on the basis of race, color, national origin, age, disability, sex, sexual orientation, gender identity, or religion. To learn more about a plan’s nondiscrimination policy, please click on the carrier’s link below:

Aetna, Anthem Blue Cross and Blue Shield, Blue Cross Blue Shield - Illinois, Blue Cross Blue Shield - Montana, Blue Cross Blue Shield - New Mexico, Blue Cross Blue Shield - Oklahoma, Blue Cross Blue Shield - Texas, Blue Shield of California, Capital Blue Cross, Cigna Health Spring, Global Health, Highmark, Humana, Premera Blue Cross, SCAN, Scott & White, UnitedHealthcare, Vibra Health Plan

Thank you for visiting www.medicarebenefits.com website (hereinafter, the "Website"), which is owned and operated by Medicare Benefits Solutions, herein after referred to as “Medicare Benefits”; "We"; or "Our", which is a brand operated by Health Compare Insurance Services Inc. Your privacy is important to us. To better protect your privacy, We are providing this notice explaining Our online information policies and practices. By visiting this Websites, you are consenting to the practices described in this privacy policy.

Effective Date of This Privacy Policy
This privacy policy is effective October 1, 2009.

Categories of Personally Identifiable Information We Collect.
Medicare Benefits will receive and store information about you and your dependents (if applicable) such as name, address, gender, Social Security Number, age and answers to medical questions (if applicable) whenever this information is provided through these Websites. We may also obtain information about you from third parties such as your employer or insurance brokers who may utilize these Websites to do such things as request a quote for health insurance coverage or manage account activity online.

Cookies
Medicare Benefits and/or its business partners may use cookies on these Websites. A cookie is a piece of data stored on the user's hard drive containing information about the user. Usage of a cookie is in no way linked to any personally identifiable information while on Our Websites. A cookie cannot be used to access or otherwise compromise the data on your hard drive. The "help" portion of the toolbar on most browsers will tell you how to prevent your browser from accepting new cookies, how to have the browser notify you when you receive a new cookie, or how to disable cookies altogether. If the user rejects the cookie, they may still use these Websites but some functionality may be impaired.

Log Files
These Websites records the IP or internet protocol address of users who log on to facilitate use of these Websites. IP addresses are not linked to personally identifiable information.

Categories of Third Parties With Whom We May Share The Information We Collect
The information We collect through the Website and from other sources is used to provide quotations for health insurance coverage through Medicare Benefits’ health plan(s) and to provide other products and services to Our brokers. We may share information with Our contracting health plan carriers during the underwriting process, as well as affiliated businesses, when necessary to provide services through those companies. We may also release personally identifiable information when We believe that the release of such information is required by law or is necessary to protect the rights, property or safety of Medicare Benefits or others.

Review and Amendment Of Information Collected
If you would like to review and/or amend information We have collected about you, please contact our Medicare Benefits Help Desk at (888) 956-7735 — TTY 711. Requests to amend information must be made in writing via regular mail sent to:

Health Compare Insurance Services Inc., doing business as Medicare Benefits

1100 NW Compton Drive, Suite 200

Hillsboro, OR 97006

Or by email sent to: [email protected]

Security
Medicare Benefits does not make warranties or representations regarding the security of Our content or user content. Data sent over the Internet may be intercepted by third parties; if you are concerned about the security of your data, you should not send it over the Internet.

Third Party Links
These Websites may contain links to third party websites. Medicare Benefits makes no representation regarding the content or accuracy of any website that you may access through these Websites. Medicare Benefits does not monitor and is not responsible for the content found on other websites that are linked from these Websites. Medicare Benefits does not imply endorsement, recommendation or sponsorship for any linked website or the services, products or advice described on the site, and Medicare Benefits shall have no liability for its content, including its accuracy, subject matter, quality or timeliness, or any personal information that you provide to such site. USE OF SUCH SITE IS AT YOUR OWN RISK. The views, opinions, statements, offers or other information or content expressed therein are those of the respective author(s) or distributor(s), not of Medicare Benefits.

Children's Privacy Protection
These Websites are not designed for or intentionally targeted at children 13 years of age or younger. We will not collect information regarding children 13 years of age or younger unless that information is provided by or with the consent of their parents or guardians.

Notification of Changes
If We decide to change Our privacy policy, We will post those changes on Our Websites. Please review these pages periodically for changes. Your use of these Websites constitutes acceptance of the provisions of this privacy policy and your continued usage after changes are posted constitutes acceptance of each revised policy. If you do not agree to the terms of this privacy policy or any revised policy, please exit these Websites immediately. The information We receive is a significant part of Our business and one of Our primary assets. In the future, We might buy or sell business assets, which may include this information. In the event that Health Compare Insurance Services, Inc. or substantially all of its assets are acquired, customer information may be one of the transferred assets.

Accuracy
We believe the information provided on these Websites is accurate and We make every effort to minimize errors. However, We cannot absolutely guarantee the accuracy of the information provided. If you find an error, or any inaccuracy, please inform us as soon as possible.

Contact Information Regarding These Websites
If you have Website questions, comments, or concerns, please email [email protected] Please include detail of your questions, comments or concerns and your complete name and contact information. You may also call the Help Desk at (888) 956-7735 — TTY 711, or call our Customer Service team at (888) 956-7735 — TTY 711.

The following Terms of Use ("TOU") describe the terms and conditions applicable to your registration, access and use of the Medicare Benefits Solutions, herein after referred to as “Medicare Benefits”, which is a brand operated by Health Compare Insurance Services Inc., websites (MedicareBenefits and www.medicarebenefits.com) (the "Websites"). By using these Websites, you are accepting and agreeing to the TOU. If you do not agree to the TOU, do not use these Websites. We reserve the right to change the TOU at any time without notice; modifications will be included in the TOU. It is your responsibility to check the TOU from time to time for modifications. Continued use of these Websites after any modifications of the TOU will constitute acceptance of such modifications. These Websites are owned and operated by Medicare Benefits ("Company"), a Delaware corporation. The Company is located at 1100 NW Compton Drive, Suite 200, Hillsboro, OR 97006 and is licensed to do business as an insurance agency in the following states.

Ownership: These Websites, including without limitation, any information, software, photographs, images, video, audio, graphics, or text on these Websites ("Company Content"), and all patent, copyright, trademark, trade dress, domain name, trade secret, and other proprietary rights therein are the sole property of the Company and various third party owners. You agree to abide by all applicable intellectual property laws and any additional restrictions set forth on these Websites in relation to the Company Content.

Limited License; Permitted Uses: You are granted a non-exclusive, non-transferable, revocable license: (a) to access and use these Websites strictly in accordance with this TOU; (b) to use these Websites solely for internal, personal, non-commercial purposes; and (c) to print out discrete portions of Company Content from these Websites solely for internal, personal, non-commercial purposes and provided that you maintain all copyright and other policies contained therein. No print out or electronic version of any part of these Websites or its contents may be used by you in any litigation or arbitration matter whatsoever under any circumstances.

Use of Websites: By using these Websites, you represent that you are at least 18 years old and are a resident of the United States. You may not be eligible for all of the insurance products or services described in these Websites. The Company reserves the right to determine all eligibility for such products or services. If you are under 18 or not a U.S. resident, do not use these Websites. The Company does not intend to market any products or services to children and does not knowingly collect personal information from children under the age of 13 through these Websites. You may not store, modify, reproduce, transmit or distribute content (including Company Content) from these Websites without the prior written consent of the Company. The Company may change or restrict your use of these Websites and/or make changes to the products and services described on these Websites at any time without notice. You also agree not to use these Websites for any unlawful purpose or in any manner that could damage, disable, overburden or impair any server, or the network(s) connected to any server of Company, its affiliates or service providers, or interfere with any other party's use and enjoyment of these Websites. You may not attempt to gain unauthorized access to these Websites or any services, other accounts, computer systems or networks connected to any server or to any of the services, through hacking, password mining or any other means. Certain third party owners may impose additional terms and conditions set forth elsewhere herein. Your use of Company Content from those third party owners is also subject to those terms and conditions. Any and all caching, hypertext linking to these Websites or framing of any Company Content is prohibited without the Company's prior written consent. The Company reserves the right to disable any unauthorized links or frames.

Indemnification: You agree to indemnify and hold harmless Company and its subsidiaries, affiliates, officers, agents, employees, partners and licensors from any claim or demand, including reasonable attorneys' fees, made by any third party due to or arising out of User Content or Submission you submit, transmit or otherwise make available to us, your use of any Company Content, your violation of any provision of this TOU, or your violation of any rights of another party.

Trademarks: The Company's trademarks, service marks and/or logos are protected marks of the Company. Unauthorized use of trademarks, service marks or logos owned by the Company is strictly prohibited and may also be a violation of federal and state trademark laws.

Copyright: These Websites are protected by U.S. copyright laws of the Company, its affiliates, and certain third party providers. Except as expressly provided under "Use of Websites" section above, you may not use, reproduce, modify, transmit, distribute or publicly display any part of these Websites or Company Content without the prior written consent of the Company.

We respect the intellectual property of others, and we ask you to do the same. If you believe that your work has been copied in a way that constitutes copyright infringement, please provide our Copyright Agent the following information:

a. An electronic or physical signature of the person authorized to act on behalf of the owner of the copyright interest;

b. A description of the copyrighted work that you claim has been infringed;

c. A description of where the material that you claim is infringing is located on the Site;

d. Your address, telephone number, and email address;

e. A statement by you that you have a good faith belief that the disputed use is not authorized by the copyright owner, its agent, or the law;

f. A statement by you, made under penalty of perjury, that the above information in your Notice is accurate and that you are the copyright owner or authorized to act on the copyright owner's behalf. Our Copyright Agent for Notice of claims of copyright infringement on these Websites can be reached by directing an e-mail to the Copyright Agent at [email protected], or by letter sent postage prepaid to MedicareBenefits, 1100 NW Compton Drive, Suite 200, Hillsboro, OR 97006, attention: MedicareBenefits Compliance Officer.

Governing Law: The TOU shall be governed in all respects by the laws of the State of California USA, without reference to its choice of law rules. By accessing these Websites you understand and agree that all transactions take place in Orange County, California and agree that the Orange County Superior Court has exclusive jurisdiction over any disputes with the Company arising from or related to your use of these Websites or any of the products or services offered hereunder or Company Content or User Content on these Websites. You irrevocably consent and submit to the exclusive personal jurisdiction of that court, and you irrevocably waive any jurisdictional, venue or inconvenient forum objections to such court.

Statute of Limitations: Except for claims arising from your misuse of these Websites or Company Content, you agree that regardless of any statute or law to the contrary, any claim or cause of action arising out of or related to the TOU must be filed within one (1) year after such claim or cause of action arose or be forever barred.

Third Party Links: These Websites may contain links to third party websites. The Company makes no representations regarding the content or accuracy of any website that you may access through these Websites. The Company does not monitor and is not responsible for the content found on other websites that are linked from these Websites. The Company does not imply endorsement, recommendation or sponsorship for any linked website or the services, products or advice described on the site, and the Company shall have no liability for its content, including its accuracy, subject matter, quality or timeliness, or any personal information that you provide to such site. USE OF SUCH SITE IS AT YOUR OWN RISK. The views, opinions, statements, offers or other information or content expressed therein are those of the respective author(s) or distributor(s), not of the Company.

Third Party Services: We may allow access to or advertise certain third-party product or service providers ("Merchants") from which you may purchase certain goods or services. You understand that we do not operate or control the products or services offered by Merchants. Merchants are responsible for all aspects of order processing, fulfillment, billing and customer service. We are not a party to the transactions entered into between you and Merchants. You agree that use of or purchase from such Merchants is AT YOUR SOLE RISK AND IS WITHOUT WARRANTIES OF ANY KIND BY US, EXPRESSED, IMPLIED OR OTHERWISE INCLUDING WARRANTIES OF TITLE, FITNESS FOR PURPOSE, MERCHANTABILITY OR NON-INFRINGEMENT. UNDER NO CIRCUMSTANCES ARE WE LIABLE FOR ANY DAMAGES ARISING FROM THE TRANSACTIONS BETWEEN YOU AND MERCHANTS OR FOR ANY INFORMATION APPEARING ON MERCHANT SITES OR ANY OTHER SITE LINKED TO OUR SITES.

Third Party Merchant Policies: All rules, policies (including privacy policies) and operating procedures of Merchants will apply to you while on any Merchant sites. We are not responsible for information provided by you to Merchants. We and the Merchants are independent contractors and neither party has authority to make any representations or commitments on behalf of the other.

Security: The Company does not make warranties or representations regarding the security of Company Content or User Content. Data sent over the Internet may be intercepted by third parties; if you are concerned about the security of your data, you should not send it over the Internet.

User ID and Password: You are required to have a user ID and password to access certain areas of these Websites. You are responsible for maintaining the confidentiality of your user ID and password and are responsible for all uses of them, regardless of whether the uses were authorized by you. The Company prohibits the transfer or sharing of user IDs and passwords. You agree to immediately notify the Company of any unauthorized use of your user ID or password or any other breach of security.

Linking to the Websites: You may not link to these Websites prior to obtaining written permission from the Company, which may be withheld in Company's sole discretion.

Information and Press Releases: These Websites contain information and press releases about us. We disclaim any duty or obligation to update this information or any press releases. Information about companies other than ours contained in the press release or otherwise, should not be relied upon as being provided or endorsed by us.

Your Registration Obligations: By registering on these Websites, you represent that you are of legal age to form a binding contract and are not a person barred from receiving products or services under the laws of the State of California and of the United States or other applicable jurisdiction. You also agree to: (a) provide true, accurate, current and complete information about yourself in the registration form ("Registration Data") and (b) maintain and promptly update the Registration Data to keep it true, accurate, current and complete. If you provide any information that is untrue, inaccurate, not current or incomplete, or the Company has reasonable grounds to suspect that such information is untrue, inaccurate, not current or incomplete, the Company has the right to suspend or terminate your account and refuse any and all current or future use of these Websites or any products or services offered hereunder.

Interstate Nature Of Communications On Websites: When you register with these Websites, you acknowledge that you will be causing communications to be sent through the Company's computer networks. As a result, and also as a result of the Company's network architecture and business practices and the nature of electronic communications, even communications that seem to be intrastate in nature can result in the transmission of interstate communications regardless of where you are physically located at the time of transmission. Accordingly, by agreeing to the TOU, you acknowledge that communication via these Websites results in interstate data transmissions.

Special Admonitions For International Use: Recognizing the global nature of the Internet, you agree to comply with all local rules regarding online conduct and acceptable content. Specifically, you agree to comply with all applicable laws regarding the transmission of technical data exported from the United States or the country in which you reside.

No Resale: You agree not to reproduce, duplicate, copy, sell, trade, resell or exploit for any commercial purposes, the Company Content, including any product or service obtained from us through these Websites.

General Practices Regarding Use And Storage: You agree that the Company has no responsibility or liability for the deletion or failure to store any messages and other communications or other User Content maintained or transmitted through these Websites. You acknowledge that the Company reserves the right to log off accounts that are inactive for an extended period of time. You further acknowledge that Company reserves the right to modify these general practices and limits from time to time.

Termination: You agree that Company may, in its discretion, and without prior notice, immediately terminate your Website account and your access to these Websites.

No Third Party Beneficiaries: You agree that, except as otherwise expressly provided in this TOU, there shall be no third-party beneficiaries to this TOU.

Waiver: The failure of the Company to exercise or enforce any right or provision of this Agreement shall not constitute a waiver of such right or provision.

Headings: The section and paragraph headings used in this TOU are inserted for convenience only and will not affect the meaning or interpretation of this TOU.

Violation of TOU: The Company reserves the right to seek all remedies available at law and in equity for violations of the rules and regulations set forth in this TOU and the Privacy Policy (which is incorporated by reference), including, but not limited to, the right to block access from a particular Internet address to these Websites.

Entire Agreement; Severability: This TOU, and the Privacy Policy, constitutes the entire agreement between you and the Company relating to the use of these Websites. Additional terms and conditions may apply when you use any services of Merchants or other third parties, or access any linked websites. Should any provision of our TOU be held invalid, unlawful or for any reason unenforceable, then the invalid, unlawful or unenforceable provision shall be severable from the remaining provisions. Such invalid, unlawful or unenforceable provision shall not affect the validity or enforceability of the remaining provisions.

Contacting The Company: If you have Website questions, comments, or concerns, please email [email protected] Please include detail of your questions, comments or concerns and your complete name and contact information. You may also call our Customer Service team at (888) 956-7735 — TTY 711.