Terms of Use

Updated 04/20/20

You can view our licenses here.

HBC – Terms of Use

Thank you for visiting Health Benefits Connect. Our goal is to help you find a health insurance plan that will meet your needs and fit your budget. We provide online tools so that you can find your best plan, make smart health insurance decisions, and save money.

Your Agreement

By using our website, you are agreeing to these Terms of Use. You will not use our website for any purpose that is unlawful or in violation of these Terms of Use. You also agree to our Privacy Policy, which covers how we handle your personal information.

From time to time, we may update these Terms of Use. When we do, we will post the date on this page. By continuing to use our site, you are agreeing to the updated Terms of Use.

Who We Are

Health Benefits Connect is an online health insurance brokerage. Our team has decades of experience delivering health insurance solutions to consumers. We are also a licensed agency and are appointed with A-rated health insurance carriers offering a broad array of non-ACA health insurance products, as well as supplemental insurance and services.

What We Do

We provide the tools so that you can search, compare, find, and apply for health insurance products. Think of us as an engine of information.

If you find a plan on our site and decide to submit an application, we send your completed application to the entity processing your membership, which may be the carrier or its administrator. Be sure to read the privacy and terms of use policy for the entity processing your policy membership.

We are not an insurance carrier, so we don’t underwrite your insurance and we don’t process or manage insurance claims. The insurance carrier handles those services.

We Know Health Insurance

We believe that health insurance is not a one size fits all market. Life is full of unexpected changes and transitions. You may need insurance to cover a short-term gap, help you through a period of unemployment, or have found that Obamacare is unavailable, out of reach, or not the right solution for you. Short Term Health Insurance and Fixed Indemnity Plans (or “Hospital Indemnity Plans”) serve as flexible and affordable options. Short Term Health Insurance is major medical insurance that will protect you in case of accident or illness. With Short Term health insurance, you will be covered for medical services including hospital stays, doctors and specialist visits, x-rays, and many other procedures.

Fixed Indemnity Plans are an indemnity product that offers financial protection for commonly needed medical services, including hospital and doctor services. When you experience a covered medical event, Fixed Indemnity or “Hospital Indemnity” pays a set fee, directly to you or a provider designated by you.

You can apply for either type of insurance at any time and you can choose your doctor. That’s why we are proud to offer you these options.

Short Term Health Insurance and Hospital Indemnity Plans are not Obamacare.

They are not required to comply with certain federal market requirements for health insurance, principally those contained in the Affordable Care Act. Be sure to check your policy carefully to make sure you are aware of any exclusions or limitations regarding coverage of preexisting conditions or health benefits (such as hospitalization, emergency services, maternity care, preventive care, prescription drugs, and mental health and substance use disorder services). Your policy might also have lifetime and/or annual dollar limits on health benefits. If this coverage expires or you lose eligibility for this coverage, you might have to wait until an open enrollment period to get other health insurance coverage. Also, this coverage is not “minimum essential coverage.”

Dental, Vision and Supplemental Products

We offer Dental and Vision insurance through well-respected carriers. Our dental and vision plans do not require underwriting, which means you are guaranteed approval. Our telemedicine products give your 24-7 access to doctors—you can consult with a doctor via telephone or video chat at your convenience.

We also offer supplemental insurance and services In the event of an accident or critical illnesses, supplemental indemnity insurance will make a cash payment to you. Supplemental insurance products are not designed to replace your major medical insurance. In addition, we offer supplemental services such as telemedicine, which provides you access to a doctor 24-7 for advice on common medical needs. Telemedicine is not intended to replace your primary physician’s care.

When considering health insurance, know your health and what you need. If you’re concerned that your major medical does not provide adequate coverage for critical illness, or if you need dental care, then our supplemental insurance and services can fill in those gaps.

Existing Insurance Coverage

If you’ve found a health insurance plan through us, we are thrilled that we were able to help. However, be we recommend that you:

DO NOT CANCEL ANY EXISTING INSURANCE UNTIL YOU RECEIVE WRITTEN CONFIRMATION FROM THE INSURANCE COMPANY TO WHICH YOU ARE APPLYING THAT YOUR NEW POLICY IS IN EFFECT.

Content Ownership

We own our website, information concerning us, and our services. This includes, without limitation, text, images, software, graphics, button icons, audio and video clips, digital downloads, data compilations, logos, and information that appear on our website or are part of our services. We also own all copyrights, trademarks, service marks, and trade names related to us.

We may present information on behalf of or licensed from a third party. This third-party information is proprietary to its owners.

We welcome your questions, comments, and feedback. Please remember that if you submit content to us, then you are legally representing that you have the right to do so. If you do not have permission, do not share information that is confidential or proprietary. By sending us your comments, you are granting us ownership of those materials, even if they include ideas to improve our site. We can share those ideas without your consent, we do not have to pay you for them, and we may already be considering them. If you prefer to retain your rights, please do not submit your material.

If you believe the content on our site violates your copyright, please let us know by following the Copyright Procedure.

How to Use Our Website

Our website is your partner and a powerful tool. We encourage you to use our site – learn, explore, search, compare, select and apply for health insurance products. Your use, however, must be for personal, non-commercial purposes. In other words, our site is intended for individuals to compare and shop for themselves and their families only.

You must also be at least 18 years old or legally emancipated with the ability to enter into contracts. And, since our website is intended for a U.S. audience, if you’re visiting our site from another country, keep in mind that you will have to comply not just with U.S. law, but the laws of that country.

The information that you provide to us must be accurate and up-to-date. Do not use our website to make false or fraudulent applications or purchases.

Do not use programs to frame our site or impede our site operations. This includes technology like “deep-links,” “page-scrapes,” “robots,” and “spiders.”

In addition, you are responsible for keeping your passwords, login and account information secret. Be Web smart! And notify us immediately if you believe your account or information has been compromised.

Third Party Links

Sometimes our site includes links to third parties. While we hope that these sites are informative, we do not control their content. Including these links on our site is not a sign that we endorse or approve them.

Termination

Either of us can end this Agreement at any time. We may terminate your access to our site and services for any reason without prior notice. You can terminate by canceling your account, unsubscribing to our emails, and stopping your use of our site. We will respect your request. If you have a pending health insurance application, however, we may be legally obligated to keep you updated on its status. Also, any provisions of these Terms of Use that would logically apply after termination, such as (but not limited to) Content Ownership and Disputes will survive.

Disputes

You are our VIP and we hope that we become your go to health insurance site. If a dispute does arise, however, then we each agree that the laws of the State of California, U.S.A., excluding its conflict of laws rules, will govern. If the dispute is not eligible for the JAMS Alternative Dispute Resolution process, then we each agree that the claims can only be litigated in the federal or state courts of Santa Clara County, California and we each agree to these courts’ personal jurisdiction.

Disclaimer of Warranty and Limitation of Liability

The law requires that we set out our disclaimer of warranty and limitation of liability in all caps. This section may be long and look boring, but it’s important. Please read it.

YOU EXPRESSLY AGREE THAT USE OF OUR SITE IS AT YOUR SOLE RISK. THE MATERIAL PROVIDED ON THE SITE IS PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS. TO THE FULLEST EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING WITHOUT LIMITATION, WARRANTIES OF TITLE, NONINFRINGEMENT, OR IMPLIED WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE WITH RESPECT TO THE WEBSITE, ANY USE OF THE WEBSITE AND ANY WEBSITE TO WHICH THE WEBSITE IS LINKED. WE WILL NOT BE LIABLE FOR ANY DAMAGES OF ANY KIND ARISING FROM THE USE OF THIS SITE, INCLUDING, BUT NOT LIMITED TO DIRECT, INDIRECT, INCIDENTAL, PUNITIVE, AND CONSEQUENTIAL DAMAGES, EVEN IF WE ARE MADE AWARE OF THE POSSIBILITY OF SUCH DAMAGES. WE DO NOT WARRANT THAT THE MATERIAL ON THE WEBSITE IS COMPLETE OR ACCURATE, THAT USE OF THIS WEBSITE WILL BE UNINTERRUPTED OR ERROR-FREE, OR THAT THIS WEBSITE OR SERVER OR ANY MATERIAL ON THIS WEBSITE IS FREE OF DISABLING DEVICES.

CERTAIN STATE LAWS DO NOT ALLOW LIMITATIONS ON IMPLIED WARRANTIES OR THE EXCLUSION OR LIMITATION OF CERTAIN DAMAGES. IF THESE LAWS APPLY TO YOU, SOME OR ALL OF THE ABOVE DISCLAIMERS, EXCLUSIONS, OR LIMITATIONS MAY NOT APPLY TO YOU, AND YOU MIGHT HAVE ADDITIONAL RIGHTS.

Legal Jurisdictions Only

The sale of insurance products is governed by laws that differ from state to state. The products and services on our site are intended only for those persons in states and jurisdictions where these products and services may be legally sold. Nothing on our site shall be considered a solicitation to buy or an offer to sell any products or services to any person in any jurisdiction where such an offer, solicitation, purchase or sale would be unlawful.

Access

By using HealthBenefitsConnect.com, you warrant that you are at least 18 years of age and possess the legal authority to use HealthBenefitsConnect.com. We do not sell products to minors, but we sell them to adults.

Licenses

The HealthBenefitsConnect.com website is made available to you by licensed agent(s)/broker(s) in each respective state which require insurance transactions to be conducted through a licensed agent/broker. Some licensed agents are employees of one of our affiliate companies.