These Terms of Service govern your use of this website and the services provided by VS Healthcare Solutions (“we,” “us,” or “our”). By using this site or working with us, you agree to these terms. If you do not agree, please do not use the site.
Who We Are
VS Healthcare Solutions is a licensed independent insurance agency in the State of Florida. Our National Producer Number is available on request. We are an agency, not an insurance carrier: policies are issued, underwritten and paid by the carrier you select, not by us.
Our Services
We help you compare and enrol in health insurance, Medicare, life insurance, dental and vision, supplemental and business coverage. That includes explaining options, checking provider networks and drug formularies, completing applications with you, and helping with service questions after enrolment.
Our services are provided at no cost to you. We are compensated by the insurance carrier whose plan you choose. The price of a plan is the same whether you enrol through us or on your own.
No Guarantee of Coverage or Eligibility
Submitting a form, requesting a quote, or speaking with us does not create coverage. No coverage exists until the carrier issues a policy and confirms an effective date in writing. Eligibility, premiums, subsidies and plan availability are determined by the carrier, by the Marketplace or by Medicare — not by us.
Not Insurance, Legal, Tax or Medical Advice
Content on this site is general information for educational purposes. It is not insurance, legal, tax or medical advice, and it is not a recommendation for your particular situation. Premium tax credit and subsidy figures are estimates; your actual amount is determined when you file your federal tax return. Consult a qualified professional for advice specific to you.
Medicare Disclosure
We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE, or your local State Health Insurance Assistance Program (SHIP), to get information on all of your options. We are not connected with or endorsed by the U.S. government or the federal Medicare program.
Accuracy of Information You Provide
Quotes and eligibility depend on the information you give us. You agree to provide accurate, complete and current information about your age, household, income, residence, health and current coverage. Inaccurate information may lead to an incorrect quote, a denied application, a repayment obligation at tax time, or rescission of a policy by the carrier.
Plans, Pricing and Availability Change
Plan designs, premiums, provider networks, drug formularies and availability change — typically each plan year, and sometimes mid-year. Information on this site is accurate to the best of our knowledge when published but may become out of date. Always confirm current details before making a decision.
Website Use
You may use this site for lawful, personal, non-commercial purposes. You agree not to:
- Interfere with or disrupt the site, its security, or its servers
- Attempt to gain unauthorised access to any part of the site or its data
- Scrape, harvest or collect information about other users
- Submit false information, or another person’s information without their permission
- Use the site to transmit unlawful, misleading or harmful content
Communications
By submitting a form you consent to be contacted about insurance options at the number and email you provide, including by automated technology and SMS. Consent is not a condition of purchase. Message and data rates may apply. You may opt out at any time by replying STOP, using an unsubscribe link, or emailing us.
Intellectual Property
The content, layout, graphics and branding on this site are owned by VS Healthcare Solutions or used with permission, and are protected by copyright and trademark law. You may view and print pages for your own use. You may not republish, sell or redistribute site content without written permission. Carrier names and logos are the property of their respective owners.
Third-Party Links
This site links to carrier websites and to government resources including Medicare.gov, HealthCare.gov and SSA.gov. We do not control those sites, do not endorse their content, and are not responsible for their accuracy, availability or privacy practices.
Limitation of Liability
To the fullest extent permitted by Florida law, VS Healthcare Solutions is not liable for any indirect, incidental, special or consequential damages arising from your use of this site or from information provided on it, including lost savings or missed enrolment deadlines. Nothing in these terms limits liability that cannot be limited by law, including for fraud.
Indemnification
You agree to indemnify VS Healthcare Solutions against claims arising from your misuse of this site, your breach of these terms, or information you submit that is false or that you had no right to provide.
Privacy
Our handling of your information is described in our Privacy Policy, which forms part of these terms.
Governing Law
These terms are governed by the laws of the State of Florida, without regard to conflict of law principles. Any dispute will be brought in the state or federal courts located in Orange County, Florida.
Changes to These Terms
We may update these Terms of Service at any time. Changes take effect when posted here with a revised “Last Updated” date. Continuing to use the site after a change means you accept the updated terms.
Contact
Questions about these Terms of Service:
VS Healthcare Solutions
1277 N Semoran Blvd #117, Orlando, FL 32807
vivianteayuda@gmail.com