These Terms of Service (“Terms”) govern your access to and use of gethealthplans.com and our contact channels (phone, SMS/text, email, web forms, and chat) (collectively, the “Services”). By accessing or using the Services, you agree to these Terms. If you do not agree, do not use the Services.
MTG Insurance Agency LLC, DBA GetHealthPlans.com (“GHP,” “we,” “us,” or “our”) is an insurance agency that markets and facilitates access to private medical and related insurance products. We are not a government website and are not affiliated with any federal or state marketplace. Insurance products are offered by licensed agents where licensed and appointed; availability varies by state and carrier. License numbers are available upon request and may be displayed where required.
Content on the Services is for general informational and marketing purposes only and does not constitute medical, legal, or tax advice. Consult qualified professionals for advice tailored to your circumstances. Coverage decisions should be based on official plan documents, applications, and carrier approvals.
Quotes are illustrative and subject to change. Coverage is not binding until the carrier issues a policy, your first premium is accepted, and all conditions are satisfied. Many products require medical underwriting and may exclude pre-existing conditions or certain benefits. Read all plan documents carefully.
You agree to provide accurate, current, and complete information and to use the Services only for lawful purposes. You will not:
If you create an account, you are responsible for safeguarding your credentials and for activities under your account.
You consent to electronic communications and signatures, including disclosures and notices, and agree they satisfy applicable legal requirements to the extent permitted by law. You may withdraw consent or request paper copies at the contact in Section 16; we may charge a reasonable fee for paper delivery.
Telephone and text messaging consent is addressed separately in Section 17. Consent to receive marketing text messages is never required to use the Services, obtain a quote, apply, or purchase coverage.
The Services (text, graphics, logos, software, and other content) are owned by GHP or its licensors and are protected by law. We grant you a limited, non-exclusive, non-transferable license to access and use the Services for personal, non-commercial purposes. All rights not expressly granted are reserved.
The Services may link to third-party websites or use third-party tools. We do not control or endorse third-party content and are not responsible for their practices or policies. Your use of third-party services is at your own risk and subject to their terms.
THE SERVICES ARE PROVIDED “AS IS” AND “AS AVAILABLE.” TO THE MAXIMUM EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SERVICES WILL BE ERROR-FREE OR UNINTERRUPTED.
TO THE MAXIMUM EXTENT PERMITTED BY LAW, GHP AND ITS AFFILIATES, OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS WILL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS OR REVENUES, ARISING FROM OR RELATED TO YOUR USE OF THE SERVICES. OUR TOTAL LIABILITY FOR ANY CLAIM WILL NOT EXCEED $100 OR THE AMOUNT YOU PAID US (IF ANY) IN THE 12 MONTHS PRECEDING THE CLAIM, WHICHEVER IS GREATER.
You agree to indemnify and hold GHP harmless from and against claims, liabilities, damages, losses, and expenses (including reasonable attorneys’ fees) arising out of or related to your violation of these Terms or misuse of the Services.
Binding Arbitration. Any dispute arising from or relating to these Terms or the Services shall be resolved by binding arbitration administered by a reputable provider under its rules.
Class Action Waiver. You and GHP agree that claims will be brought only in your or its individual capacity, and not as a plaintiff or class member in any purported class or representative proceeding.
Opt-Out. You may opt out of arbitration within 30 days of first use of the Services by sending written notice to the contact in Section 16.
These Terms are governed by the laws of the State of Florida, without regard to conflict-of-laws principles. Venue for any permitted court action lies in the state or federal courts located in Broward County, Florida.
We may suspend or terminate access to the Services at any time, with or without notice, for conduct we believe violates these Terms or is harmful. Sections intended to survive termination (e.g., intellectual property, disclaimers, limitation of liability, indemnification, and dispute resolution) survive.
We may modify the Services or these Terms at any time. Changes are effective upon posting. Your continued use after changes signifies acceptance.
General, legal, and compliance notices:
We collect two separate and independent consents for automated phone, text (SMS), and email communications. Granting one does not grant the other; neither is bundled with your acceptance of these Terms or any other agreement; and marketing consent is never required to obtain a quote, apply for coverage, or purchase a product.
Opt-In 1 — Policy Service & Transactional Communications (verbal consent at enrollment). This consent is collected verbally from you by a licensed agent during a recorded enrollment or application call (or when you otherwise provide your phone number or email address in connection with your application or policy). It authorizes ongoing, transactional servicing communications about the application or policy you hold — for example, application and policy status updates, billing and payment notices, enrollment reminders, and service messages — delivered by phone call, text message (SMS), and email. This is relationship and transactional messaging tied to a policy you are applying for or already hold; it is not marketing. Message and data rates may apply. Message frequency varies. You may opt out at any time (reply STOP to texts, or use the unsubscribe link or contact us for email), after which we will deliver any required policy and servicing communications through alternative channels such as mail or telephone. Opting out does not affect your coverage or your ability to be serviced.
Opt-In 2 — Marketing, Promotional & Quote Solicitations (separate, optional, written consent). This is a distinct and optional consent, collected separately from Opt-In 1 through a dedicated, unchecked opt-in (such as a checkbox or written or electronic authorization) at the point you choose to provide it. It authorizes marketing and promotional messages and quote solicitations intended to offer you new or additional products and to generate new business, delivered by phone call, text message (SMS), and email. This consent is optional, is not required to request a quote, apply for coverage, or purchase any product, and is never a condition of receiving the service communications described in Opt-In 1. Where these communications are delivered using an automatic telephone dialing system or a prerecorded or artificial voice, we obtain the prior express written consent required by the TCPA and applicable state telemarketing laws (including, where applicable, the Florida Telephone Solicitation Act) through a clear and conspicuous disclosure presented at the point of opt-in and separate from any other agreement. Message and data rates may apply. Message frequency varies. You may opt out at any time (reply STOP to texts, or use the unsubscribe link or contact us for email).
Opt-out, help, and general disclosures. Reply STOP to opt out and HELP for help. You may also email support@gethealthplans.com or call +1 (888) 885-6520. Opting out of one consent does not affect the other: opting out of marketing (Opt-In 2) does not stop the transactional service messages under Opt-In 1, and opting out of service messages does not affect your coverage. Message and data rates may apply. Message frequency varies. Carriers are not liable for delayed or undelivered messages.
No third-party sharing. Your SMS consent and associated mobile data are never sold or shared with third parties for their marketing. We share this information only with subcontractors and service providers that support our own messaging and customer-service operations, and only for that purpose, as described in Section 4 of our Privacy Policy.
By using our Services, you agree to receive disclosures, notices, and records electronically and to sign electronically where applicable. You may withdraw consent or request paper copies at the contact in Section 16; we may charge a reasonable fee for paper delivery.
You represent that you are at least 18 years old (or the age of majority in your jurisdiction) and reside in the United States. The Services are controlled and operated from the U.S. We do not represent that the Services are appropriate or available in other locations. Access is prohibited where illegal; you are responsible for compliance with local laws.
You agree not to, and not to allow others to:
If you submit content (e.g., messages, reviews, testimonials, or feedback), you grant GHP a non-exclusive, worldwide, royalty-free, sublicensable license to use, reproduce, modify, adapt, publish, translate, create derivative works from, distribute, perform, and display such content in connection with operating and improving the Services and marketing our offerings, subject to our Privacy Policy and applicable law. You represent that you own or have the necessary rights to such content; that it does not infringe others’ rights; and that it does not include PHI or other sensitive data unsuitable for the Site. Feedback is voluntary and may be used without restriction.
For quality and compliance, we may monitor or record calls, chats, or messages as described in our Privacy Policy. If you do not consent to recording, notify the agent and we will attempt to proceed on an unrecorded channel where feasible. You agree that we may retain recordings consistent with our retention policy.
We respect intellectual property rights. If you believe content on the Services infringes your copyright, you may submit a notice pursuant to the Digital Millennium Copyright Act (17 U.S.C. § 512) to our designated agent at support@gethealthplans.com or the postal address in Section 16, including: (a) a physical or electronic signature of a person authorized to act; (b) identification of the copyrighted work and the infringing material; (c) your contact information; (d) a statement of good-faith belief; and (e) a statement that the information is accurate and, under penalty of perjury, that you are authorized to act. Counter-notices may be submitted as permitted by § 512.
We may incorporate third-party services, widgets, SDKs, or open-source components. Your use of third-party features is subject to their terms and privacy policies. Open-source components are provided under their respective licenses, which may grant you additional rights on a per-component basis.
We may offer beta, preview, or experimental features. They are provided as-is, may contain errors, and may be modified, suspended, or discontinued at any time without notice. Your feedback helps us improve and may be used without restriction.
We may change, suspend, or discontinue any part of the Services at any time. From time to time we may perform maintenance that may temporarily affect availability. We are not liable for any unavailability or data loss except as required by law.
We will not be liable for any delay or failure to perform due to causes beyond our reasonable control, including acts of God, natural disasters, labor disputes, terrorism, war, civil disturbances, government actions, network or utility failures, or third-party service disruptions.
You may not assign or transfer these Terms without our prior written consent. We may assign these Terms in connection with a merger, acquisition, corporate reorganization, or sale of assets, or by operation of law.
If any provision of these Terms is held invalid or unenforceable, that provision will be enforced to the maximum extent permissible and the remaining provisions will remain in full force. Our failure to enforce any right or provision is not a waiver of such right or provision.
Headings are for convenience only and do not affect interpretation. The term “including” means “including without limitation.”
You represent that you are not located in, under the control of, or a national or resident of any country or person subject to U.S. sanctions or export restrictions. You agree to comply with all applicable export-control and sanctions laws.
The Services are provided as Commercial Items as defined in 48 C.F.R. § 2.101 and are licensed to U.S. Government end users only as commercial items with the rights customarily provided to the public, consistent with 48 C.F.R. § 12.212 and 48 C.F.R. § 227.7202.
These Terms, together with any policies or terms referenced herein (including the Privacy Policy and Accessibility Statement), constitute the entire agreement between you and GHP regarding the Services and supersede prior or contemporaneous understandings. If there is a conflict between these Terms and a policy, these Terms control to the extent of the conflict, unless a specific product addendum states otherwise.
Insurance is regulated at the state level. Products, underwriting, eligibility, effective dates, maximum durations (e.g., Short-Term Medical limitations), and renewal rules vary by state and carrier. Some states restrict or prohibit short-term plans. We will provide state-required disclosures and forms during quoting or enrollment as applicable. Nothing on the Site constitutes an offer in any jurisdiction where such offer would be unlawful.