Terms of Use

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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.

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.

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.

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.

New Gen Health Solutions LLC may send you text messages if you have opted in through our intake form. We offer two separate types of SMS messaging:

• Non-marketing messages: Appointment reminders, quote follow-ups, enrollment status updates, and service notifications.
• Marketing messages: Special offers, discounts, and service updates.

You may opt into one, both, or neither type of messaging. SMS consent is not a condition of purchasing any product or service.

Opt-Out & Support:

You can cancel the SMS service at any time. Just text "STOP" to (856) 630-6302. After you send the SMS message "STOP" to us, we will send you an SMS message to confirm that you have been unsubscribed. After this, you will no longer receive SMS messages from us. If you want to join again, just sign up as you did the first time and we will start sending SMS messages to you again.

If you are experiencing issues with the messaging program you can reply with the keyword HELP for more assistance, or you can get help directly at mike@newgenhealthsolutions.com or (856) 630-6302.Carrier Liability:

Carriers are not liable for delayed or undelivered messages.Message Frequency & Rates:

As always, message and data rates may apply for any messages sent to you from us and to us from you. Message frequency varies. If you have any questions about your text plan or data plan, it is best to contact your wireless provider.

If you have any questions regarding privacy, please read our privacy policy: https://quote.newgenhealthsolutions.com/privacy-policy

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.

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

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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: (856) 630-6302

Website: newgenhealthsolutions.com