Terms of Service
Agreement to Terms
By accessing or using the Pine Rock Health website (pinerockhealth.com), you agree to be bound by these Terms of Service. If you do not agree with any part of these terms, please do not use our website or services.
Description of Services
Pine Rock Health provides educational information and personalized guidance related to Medicare, Medicare Advantage, Medicare Supplement (Medigap), Part D prescription drug plans, and ACA marketplace health insurance plans. We are a licensed, independent insurance advisory service operating in Minnesota.
Not Medical or Legal Advice
The information provided on this website and through our consultations is for educational and informational purposes related to health insurance options. It does not constitute medical advice, legal advice, or tax advice. You should consult with appropriate professionals for guidance specific to your medical, legal, or financial situation.
Insurance Advisory Services
Pine Rock Health is compensated through commissions paid by insurance carriers when a client enrolls in a plan through us. These commissions are set by CMS (Centers for Medicare & Medicaid Services) for Medicare products and are the same regardless of which carrier or plan you choose. There is no cost to you for our advisory services.
No Guarantee of Benefits
Plan availability, benefits, premiums, and provider networks vary by location, eligibility, and enrollment period. Information presented on this website is general in nature and may not reflect the specific plans available in your area. We encourage you to verify all plan details during your consultation and before enrolling.
Accuracy of Information
We make reasonable efforts to ensure the information on our website is accurate and current. However, insurance plans and regulations change frequently. We do not warrant that all information is complete, current, or error-free at all times. Official plan details are available through CMS at Medicare.gov.
Enrollment Decisions
All enrollment decisions are ultimately yours. We provide guidance and present options, but you are responsible for reviewing plan details and making the enrollment choice that you believe is right for your situation.
Website Use
You agree to use this website only for lawful purposes and in a manner that does not infringe upon the rights of others. You may not attempt to gain unauthorized access to any part of the website, its servers, or any connected systems.
Intellectual Property
All content on this website, including text, graphics, logos, and design elements, is the property of Pine Rock Health and is protected by applicable intellectual property laws. You may not reproduce, distribute, or create derivative works from this content without our written permission.
Limitation of Liability
Pine Rock Health shall not be liable for any indirect, incidental, special, or consequential damages arising from your use of this website or our services, to the fullest extent permitted by law.
Changes to Terms
We may update these Terms of Service from time to time. Changes will be posted on this page with an updated revision date. Your continued use of the website after changes are posted constitutes acceptance of the revised terms.
Governing Law
These Terms of Service are governed by and construed in accordance with the laws of the State of Minnesota.
Contact
If you have questions about these terms, please contact us at [email protected].