Terms of Use

---

These Terms of Service ("Terms") govern your use of the website and services provided by New Gen Health Solutions LLC ("Company," "we," "us," or "our"). By accessing our website, submitting a form, or engaging with our licensed agents, you agree to these Terms.

1. Services

New Gen Health Solutions LLC (Agency NPN: 21313049) is a licensed independent insurance agency headquartered in Mt. Laurel, New Jersey, with licensed agents operating across more than 20 states. We provide information about and assistance with health insurance products including:

Medicare Advantage (Part C) plans

Medicare Supplement (Medigap) plans

Affordable Care Act (ACA) marketplace plans through state-based exchanges

Under-65 off-exchange health insurance products, including fixed indemnity and group health plans

We do not provide medical advice, tax advice, or legal counsel. Plan recommendations are based on information you provide and are subject to carrier underwriting and approval. Our agents are licensed insurance producers, not financial advisors.

2. Eligibility

You must be at least 18 years of age to use our services. By submitting a form or engaging with our agents, you represent that you are at least 18 years old and legally authorized to enter into agreements in your state of residence.

3. Accuracy of Information

You agree to provide accurate, current, and complete information when submitting any form, speaking with our agents, or completing an enrollment application. This includes but is not limited to your name, date of birth, contact information, Medicare eligibility details, household income, and current coverage status. Providing false or incomplete information may result in inaccurate plan recommendations, inability to complete enrollment, or cancellation of coverage by the issuing carrier.

4. SMS Communications

For information about our SMS messaging program, including how we obtain consent, message types, message frequency, and how to opt out, please see our SMS Communications Policy at https://newgenhealthsolutions.com/sms-communications-policy and our Privacy Policy at https://newgenhealthsolutions.com/privacy-policy. SMS consent is not a condition of using our services or agreeing to these Terms.

5. Call Recording and Compliance

Calls with our licensed agents may be recorded and monitored for quality assurance, training, and regulatory compliance purposes, including compliance with CMS (Centers for Medicare & Medicaid Services) marketing and enrollment guidelines. By engaging in a call with our agents, you acknowledge that the call may be recorded after appropriate disclosure is provided.

6. Medicare-Specific Disclosures

If you are inquiring about or enrolling in a Medicare Advantage or Medicare Supplement plan, the following apply:

New Gen Health Solutions LLC and its agents are licensed to sell Medicare products and are not directly affiliated with Medicare or any government agency

Enrollment in a Medicare Advantage plan depends on contract renewal between the carrier and CMS

Our agents follow all applicable CMS marketing and communications guidelines, including scope of appointment requirements

A Scope of Appointment form may be required prior to discussing specific plan details, in accordance with CMS regulations

7. ACA Marketplace Disclosures

For ACA marketplace plans, we facilitate enrollment through state-based exchanges. Subsidy eligibility is determined by the applicable exchange based on household income and size information you provide. We do not guarantee subsidy amounts, and final premium calculations are subject to exchange and IRS determination.

8. No Guarantee of Coverage or Pricing

Information provided through our website or agents is for informational purposes only and does not constitute a binding offer or guarantee of coverage, pricing, or eligibility. Plan availability, premiums, benefits, provider networks, and formularies are determined by the issuing carrier and are subject to change. Final enrollment is subject to carrier approval and applicable law.

9. Third-Party Links

Our website may contain links to third-party websites, including carrier portals, state exchange websites, and government resources. We are not responsible for the content, privacy practices, or accuracy of any third-party site.

10. Intellectual Property

All content on our website, including text, graphics, logos, and images, is the property of New Gen Health Solutions LLC or its licensors. You may not reproduce or distribute any content without our written permission.

11. Limitation of Liability

To the fullest extent permitted by law, New Gen Health Solutions LLC and its agents, officers, and employees shall not be liable for any indirect, incidental, special, or consequential damages arising from your use of our website or services, including but not limited to damages resulting from enrollment decisions, plan changes, or reliance on information provided.

12. Indemnification

You agree to indemnify and hold harmless New Gen Health Solutions LLC, its owner, agents, and affiliates from any claims, damages, losses, or expenses (including reasonable attorneys' fees) arising from your use of our services, your violation of these Terms, or your provision of inaccurate information.

13. Dispute Resolution

Any dispute arising out of or relating to these Terms or our services shall first be addressed through good-faith negotiation between the parties. If the dispute cannot be resolved through negotiation, it shall be resolved through binding arbitration in Burlington County, New Jersey, in accordance with the rules of the American Arbitration Association.

14. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of New Jersey, without regard to conflict of law principles.

15. Severability

If any provision of these Terms is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary, and the remaining provisions shall remain in full force and effect.

16. Changes to These Terms

We reserve the right to update these Terms at any time. Changes will be posted on this page with an updated effective date. Continued use of our services after changes constitutes acceptance of the updated Terms.

17. Contact Us

If you have questions about these Terms, contact us at:

New Gen Health Solutions LLC

Agency NPN: 21313049

Mt. Laurel, NJ

Email: mike@newgenhealthsolutions.com

Phone: (609) 806-5996

Website: newgenhealthsolutions.com