Terms of Service

1. About Our Services

We provide educational information about Medicare and assistance with

reviewing, comparing, and enrolling in Medicare plans. Our services include:

Explaining how Medicare Part A and Part B work

Reviewing coverage you already have

Comparing the plan options available in your area

Assisting with enrollment and related paperwork

We are an independent insurance brokerage. We are not a government agency and we do not provide legal, tax, or medical advice.

2. Legal and Compliance Notices

Huggins Medicare Advisors is not affiliated with or endorsed by the U.S. government or the federal Medicare program. We do not offer every plan available in your area. Currently we represent 9 organizations which offer 91 products in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.

Scott Huggins is a licensed insurance agent certified to offer Medicare Advantage, Medicare Supplements, and Prescription Drug Plans from various insurance companies.

Our services are provided at no cost to you. Enrollment in a plan may be limited to certain times of the year unless you qualify for a Special Enrollment Period.

3. Communications and Consent

When you provide your phone number and check the consent box on our forms, you agree that we may contact you by phone call, text message, and email at the number and address you provided, including through automated technology, regarding Medicare insurance options.

Consent is not a condition of purchase. Message and data rates may apply. Message frequency varies. You may reply STOP to opt out of text messages at any time, or reply HELP for assistance. You may withdraw your consent at any time by contacting us using the details below.

Phone and video sales appointments are recorded and retained as required for Medicare consultations.

4. Accuracy of Information

We work to keep the information on this website accurate and current. Medicare rules, plan availability, and plan details change from year to year. Information on this website is general in nature and is not a substitute for a conversation about your specific situation.

Nothing on this website is a guarantee of eligibility, coverage, cost, or enrollment outcome.

5. Your Use of This Website

You agree to use this website for lawful purposes only, and not to interfere with its operation, attempt unauthorized access, or submit false information through our forms.

The content, design, logos, and materials on this website are the property of Huggins Medicare Advisors and may not be reproduced without permission.

6. Third-Party Links

Our website may link to third-party websites, including Medicare.gov and insurance company websites. We are not responsible for the content, accuracy, or privacy practices of websites we do not operate.

7. Limitation of Liability

To the fullest extent permitted by law, Huggins Medicare Advisors is not liable for any indirect or consequential damages arising from your use of this website or reliance on the general information it contains. Our services are provided on an as-is basis.

8. Privacy

Your use of this website is also governed by our Privacy Policy, which explains how we collect, use, and protect the information you provide.

9. Updates to These Terms

We may update these Terms of Service from time to time. Any changes will be posted on this page with an updated effective date.

Contact Us

Huggins Medicare Advisors

(248) 985-7101

[email protected]

23131 Heatherbrae Way, Novi, MI 48375

By using our website or services, you consent to these Terms of Service.