Terms and Conditions
Terms and Conditions
Please read these Terms and Conditions carefully before using this website.
By using this website, submitting a form, scheduling an appointment, requesting information, calling, texting, emailing, or otherwise communicating with Gary Smith Medicare Agency through this website, you agree to these Terms and Conditions.
If you do not agree, please do not use this website.
1. About Gary Smith Medicare Agency
Gary Smith Medicare Agency is located in Pascagoula, Mississippi and provides Medicare insurance assistance nationwide across the USA, where licensed, appointed, and permitted by applicable law.
We sell and provide information about Medicare insurance products, including Medicare Advantage, Medicare Supplement Insurance (Medigap), Prescription Drug Plans, and related insurance products.
Gary Smith Medicare Agency is not affiliated with or endorsed by the U.S. government or the federal Medicare program.
2. Website Purpose
This website is intended to provide general information, educational resources, appointment scheduling, quote requests, and customer service access for people interested in Medicare insurance products and related insurance assistance.
The information on this website is not intended to replace official Medicare resources, insurance carrier documents, plan documents, medical advice, legal advice, tax advice, or financial advice.
For official Medicare information, you may visit Medicare.gov or call 1-800-MEDICARE.
3. No Medical, Legal, Tax, or Financial Advice
Gary Smith Medicare Agency provides insurance information and licensed insurance assistance.
We do not provide medical advice, legal advice, tax advice, or financial planning advice.
You should speak with your doctor or healthcare provider about medical decisions. You should speak with a qualified attorney, tax professional, or financial advisor about legal, tax, or financial questions.
4. Insurance Products and Plan Availability
Insurance products, plan availability, premiums, benefits, provider networks, prescription drug formularies, pharmacy networks, enrollment periods, and eligibility rules may vary by state, county, ZIP code, carrier, and personal circumstances.
Submitting a form, requesting a quote, scheduling an appointment, or speaking with our agency does not guarantee that you are eligible for any specific plan or that coverage will be issued.
Coverage is subject to the rules, underwriting requirements, enrollment periods, approvals, and terms of the applicable insurance carrier and government program.
5. Independent Agency Disclosure
Gary Smith Medicare Agency is an independent insurance agency. We may represent multiple insurance carriers and insurance products.
We do not offer every plan available in every area. Any information we provide is limited to plans and products available through the carriers and organizations with which we are licensed, appointed, or contracted.
For Medicare Advantage and Prescription Drug Plan options, use the applicable CMS-required TPMO disclaimer where required:
"We do not offer every plan available in your area. Currently we represent 10+ organizations which offer 100+ products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program to get information on all of your options."
You can always contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Assistance Program for help reviewing Medicare plan choices.
6. User Responsibilities
When using this website or communicating with us, you agree to provide accurate, current, and complete information.
You agree not to:
- Submit false or misleading information
- Use the website for unlawful purposes
- Attempt to interfere with website security or functionality
- Upload malicious code, viruses, or harmful content
- Misrepresent your identity or authority to act for another person
- Use the website to harass, abuse, or harm others
- Attempt to access information that does not belong to you
If you provide information on behalf of another person, you represent that you have permission or legal authority to do so.
7. Appointment Scheduling and Communications
If you schedule an appointment, request a quote, or submit a form, Gary Smith Medicare Agency may contact you using the information you provide.
We may contact you by phone, email, mail, or text message where permitted by law and where you have provided consent when required.
SMS/text messaging is governed by our separate SMS Terms page.
8. Electronic Communications
By using this website or submitting your contact information, you agree that certain communications may be provided electronically, including by email, website notice, or text message where permitted.
You are responsible for maintaining accurate contact information and checking communications from us.
9. Privacy
Your use of this website is also governed by our Privacy Policy.
Please review our Privacy Policy to understand how we collect, use, share, and protect personal information.
10. Website Content
We try to keep the information on this website accurate and helpful. However, Medicare rules, insurance products, plan details, premiums, benefits, networks, formularies, enrollment periods, and laws may change.
We do not guarantee that all website content is complete, current, or error-free at all times.
If there is a conflict between information on this website and official plan documents, carrier documents, Medicare rules, or applicable law, the official documents, rules, and law will control.
11. Third-Party Websites and Tools
This website may include links to third-party websites or use third-party tools, including insurance carrier websites, scheduling tools, form tools, analytics tools, payment tools, CRM systems, communication systems, or other service providers.
We are not responsible for third-party websites, platforms, policies, content, security, or practices.
Your use of third-party websites or tools may be governed by their own terms and privacy policies.
12. Intellectual Property
The content on this website, including text, graphics, logos, images, videos, page layouts, and other materials, is owned by Gary Smith Medicare Agency or used with permission, unless otherwise stated.
You may view, print, or share website content for personal, non-commercial use. You may not copy, reproduce, modify, distribute, sell, or use our content for commercial purposes without written permission.
13. No Guarantee of Results
We work to provide helpful, professional Medicare insurance assistance. However, we do not guarantee any specific premium, savings amount, benefit level, coverage approval, plan availability, provider participation, prescription coverage, enrollment outcome, or financial result.
Your options depend on your location, eligibility, enrollment period, health information when applicable, carrier rules, and other factors.
14. Disclaimer of Warranties
This website is provided on an "as is" and "as available" basis.
We do not guarantee that the website will be uninterrupted, secure, error-free, or free of viruses or other harmful components.
We do not guarantee that the information on the website will always be complete, current, or suitable for your specific situation.
15. Limitation of Liability
To the fullest extent permitted by law, Gary Smith Medicare Agency and its owners, employees, agents, contractors, vendors, and representatives will not be liable for any indirect, incidental, consequential, special, punitive, or similar damages arising from your use of this website or reliance on website information.
This limitation does not apply where prohibited by law.
16. Indemnification
To the extent permitted by law, you agree to defend, indemnify, and hold harmless Gary Smith Medicare Agency from claims, damages, liabilities, costs, or expenses arising from your misuse of this website, your violation of these Terms and Conditions, or your submission of false or unauthorized information.
17. Accessibility
We want our website to be accessible and usable. If you have trouble accessing information on this website, please contact us so we can try to assist you.
18. Governing Law
These Terms and Conditions are governed by the laws of the State of Mississippi and applicable federal law, without regard to conflict-of-law principles.
To the extent permitted by law, any dispute related to this website or these Terms and Conditions will be handled in the appropriate state or federal courts located in Mississippi.
19. Changes to These Terms
We may update these Terms and Conditions from time to time. When we do, we will update the "Last Updated" date above.
Your continued use of the website after changes are posted means you accept the updated Terms and Conditions.
20. Contact Us
If you have questions about these Terms and Conditions, please contact:
Gary Smith Medicare Agency
Pascagoula, Mississippi
Phone: 228-762-3334
Email: info@gsamedicare.net
21. Important Notice
These Terms and Conditions are intended to govern use of this website. They do not replace any insurance application, policy, carrier contract, plan document, enrollment form, Scope of Appointment, privacy notice, consent form, or other required legal or regulatory document.