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Terms of Service

Terms and conditions governing your use of MultiHealthOptions

1. Acceptance of Terms

By accessing and using MultiHealthOptions (multihealthoptions.com), you accept and agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use our website. We reserve the right to modify these terms at any time, and your continued use of the site constitutes acceptance of any changes.

2. Description of Service

MultiHealthOptions is a free online dashboard designed for licensed Medicare insurance brokers. Our platform provides:

  • Quick-launch links to major Medicare carrier portals and plan shopping tools
  • A client intake form for organizing prospect information (processed locally in your browser)
  • Educational reference materials about Medicare plan types, enrollment periods, and CMS star ratings
  • Links to government benefit applications through NYC ACCESS HRA

MultiHealthOptions is a resource aggregation tool. We do not sell insurance, provide insurance quotes, or act as an insurance carrier.

3. Professional Use Disclaimer

This website is intended for use by licensed insurance professionals. The information provided on this site is for general informational purposes only and should not be considered as professional insurance advice.

Users are responsible for verifying all plan details, eligibility requirements, and enrollment information directly with the respective insurance carriers and CMS before making recommendations to clients. Plan availability, benefits, premiums, and network details change frequently and may vary by location.

4. No Affiliation

MultiHealthOptions is an independent resource and is not affiliated with, endorsed by, or sponsored by any insurance carrier, government agency, or healthcare organization listed on this site. All carrier names, logos, and trademarks are the property of their respective owners.

Links to external websites are provided as a convenience. We do not control and are not responsible for the content, privacy policies, or practices of any third-party websites.

5. Client Data and Privacy

The client intake form on this site processes all information locally in your browser using JavaScript. No client data is transmitted to, stored on, or processed by our servers. When you use the "Copy to Clipboard" feature, the data remains entirely on your device.

You are solely responsible for handling client personal health information (PHI) in compliance with HIPAA, state privacy laws, and your carrier agreements. Do not enter PHI into any web form unless you have appropriate safeguards in place.

6. Accuracy of Information

While we strive to provide accurate and up-to-date information, we make no warranties or representations about the completeness, reliability, or accuracy of the information on this site. Medicare rules, plan details, and government benefit programs change regularly.

Cost benchmarks, enrollment dates, and plan information displayed on this site may be estimates or may be outdated. Always verify current information with official CMS resources and carrier portals before quoting clients.

7. Limitation of Liability

To the fullest extent permitted by law, MultiHealthOptions and its operators shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from:

  • Your use of or inability to use our website
  • Errors, inaccuracies, or omissions in the information provided
  • Actions taken based on information found on this site
  • Unauthorized access to or alteration of your data
  • Any issues arising from third-party websites linked from our platform

8. Intellectual Property

All original content, design, and code on MultiHealthOptions is protected by copyright. You may not reproduce, distribute, or create derivative works from our content without prior written consent.

Third-party content, carrier names, and government resources referenced on this site belong to their respective owners and are used for informational purposes only.

9. Prohibited Uses

You agree not to:

  • Use the site for any unlawful purpose or in violation of insurance regulations
  • Attempt to gain unauthorized access to any part of the site or its systems
  • Introduce malicious code, viruses, or other harmful technology
  • Scrape, mine, or automatically collect data from the site without permission
  • Misrepresent your affiliation with MultiHealthOptions to clients or carriers

10. Governing Law

These Terms of Service are governed by and construed in accordance with the laws of the State of New York, without regard to its conflict of law provisions. Any disputes arising from these terms shall be resolved in the courts of New York.

11. Contact

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

📧 Email: support@multihealthoptions.com

🌐 Website: multihealthoptions.com

Last updated: March 8, 2026

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