Terms of Service

The Service is an educational tool designed to help consumers compare Medicare Supplement (Medigap) insurance plans. The information provided on this site is for general informational and educational purposes only and does not constitute insurance advice, financial advice, or a recommendation to purchase any specific insurance product.

You should consult with a licensed insurance agent or broker in your state before making any insurance purchasing decisions. We strongly recommend verifying all plan details, premiums, and eligibility requirements directly with the insurance carrier before enrolling.

MyMed360 is not connected with or endorsed by the United States government, the Centers for Medicare & Medicaid Services (CMS), or the federal Medicare program. We are an independent, privately operated educational resource. Any references to Medicare, CMS, or government programs are for informational purposes only.

We make reasonable efforts to ensure the accuracy of information presented on the Service. Our data is sourced from publicly available records including NAIC SERFF rate filings, AM Best financial strength ratings, CMS publications, and state insurance department records.

However, insurance premiums, plan availability, carrier ratings, and regulatory requirements change frequently. We do not guarantee that all information on the Service is current, complete, or error-free. Premiums displayed are estimates based on publicly filed rates and may differ from the actual premium quoted by a carrier for your specific situation.

The premiums, scores, and rankings displayed on the Service are based on our analysis of publicly available data and our proprietary scoring methodology. They do not constitute a quote, offer, or guarantee of insurance coverage at any specific price.

Plan availability, premiums, and eligibility requirements vary by state, county, age, health status, and other factors. A plan shown on the Service may not be available to you, and your actual premium may differ from the estimates shown.

By using the Service, you agree to:

• Provide accurate information when using our recommendation tool
• Use the Service for lawful purposes only
• Not attempt to scrape, crawl, or systematically extract data from the Service
• Not interfere with or disrupt the operation of the Service
• Not misrepresent yourself or your affiliation when using the Service
• Verify all plan details with a licensed agent or carrier before making purchasing decisions

All content on the Service — including text, graphics, logos, scoring methodology, data analysis, and software — is the property of MyMed360 or its licensors and is protected by copyright and other intellectual property laws.

You may not reproduce, distribute, modify, or create derivative works from any content on the Service without our prior written consent. You may share links to pages on the Service and reference our content for personal, non-commercial purposes with appropriate attribution.

To the fullest extent permitted by law, MyMed360 and its officers, directors, employees, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of or reliance on the Service, including but not limited to damages resulting from:

• Decisions made based on information presented on the Service
• Inaccuracies or errors in premium estimates, carrier ratings, or plan information
• Unavailability of plans shown on the Service
• Interactions with insurance agents referred through the Service
• Service interruptions or technical issues

The Service is provided "as is" and "as available" without warranties of any kind, either express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, and non-infringement.

These Terms are governed by and construed in accordance with the laws of the Commonwealth of Massachusetts, without regard to conflict of law principles. Any disputes arising under these Terms shall be subject to the exclusive jurisdiction of the state and federal courts located in Massachusetts.

We may update these Terms from time to time. We will post the updated Terms on this page and update the "Last updated" date. Your continued use of the Service after any changes constitutes your acceptance of the updated Terms.