These Terms and Conditions govern your use of beehealthinsured.com, our online forms, chat tools, scheduling tools, educational content, and related services provided by Bee Health Insured. By using the site, submitting information, requesting a quote, or communicating with us, you agree to these Terms and acknowledge our Privacy Policy.
Independent Insurance Guidance Disclosure
Bee Health Insured is not an insurance company. We help shoppers compare insurance options and understand coverage choices. We may work with licensed producers, carriers, general agencies, enrollment platforms, technology vendors, and compliance providers to support your request.
We do not guarantee that any carrier, plan, policy, benefit, premium, subsidy, underwriting outcome, appointment, enrollment, or renewal will be available. Insurance products are subject to carrier rules, marketplace rules, underwriting, state availability, producer licensing, appointment requirements, plan terms, effective dates, payment, and applicable law.
No Coverage Created By Site Use
Website content, chat responses, form submissions, quote discussions, email messages, and coverage conversations do not bind coverage or create an insurance policy. Coverage is effective only when confirmed by the applicable carrier, marketplace, government program, or authorized enrollment system.
Customer Responsibilities
You agree to provide accurate and complete information.
- Review applications, quotes, plan summaries, policy documents, provider networks, drug formularies, exclusions, limitations, and payment obligations before making a decision.
- Tell us if your household, business, income, address, employment, health coverage, Medicare status, or other relevant facts change.
- Do not submit information for another person unless you are authorized to do so.
- Understand that missed deadlines, incomplete information, late premium payments, or carrier restrictions may affect coverage.
First-Party Contact Authorization
By submitting a form, starting a chat, scheduling a meeting, calling us, or otherwise asking us to contact you, you authorizeBee Health Insured, authorized service providers, and licensed producers where applicable to contact you about your inquiry and related insurance products or services using the contact information you provide. Contact may occur by phone, email, text message, or similar communication methods.
Consent to marketing contact is not required to buy goods or services. Message and data rates may apply. You may opt out of marketing texts by replying STOP, use unsubscribe links in marketing emails, or contact us directly to update your preferences. We honor internal opt-out requests and maintain compliance controls for DNC, email, text, and call workflows.
Compliance and Contact Rules
Our business values are practical: protect people, explain choices clearly, use data responsibly, and avoid pressure-based sales. Our contact workflows are designed to support lawful first-party requests, suppression-list checks, consent records, state and federal Do Not Call requirements, CAN-SPAM email practices, TCPA communication standards, CMS and Medicare communication rules where applicable, producer licensing, and carrier compliance rules.
We may decline to contact, quote, enroll, or service a request if the contact method is suppressed, the request lacks required consent, the product is outside our licensing or appointment authority, a carrier or marketplace rule prevents action, or we cannot verify that the request is legitimate.
Public reference points for our contact-rule design include FTC Do Not Call guidance, FCC telemarketing and text rules, FTC CAN-SPAM guidance, FTC Gramm-Leach-Bliley Act guidance, and Medicare plan marketing rules.
- FTC Do Not Call guidance for sellers and telemarketers
- FCC TCPA and telemarketing rules at 47 CFR 64.1200
- FTC CAN-SPAM compliance guide for business
- FTC Gramm-Leach-Bliley Act privacy and safeguards guidance
- Medicare plan marketing rules
Health, Medicare, Life, and Business Insurance Limits
Health insurance, Medicare-related products, life insurance, and business insurance each have different rules. Medicare and marketplace communications may require additional permissions, documentation, scope, timing, or enrollment controls. Life insurance may involve underwriting, medical history, financial suitability, replacement rules, and policy-specific disclosures. Business insurance may require entity, payroll, employee, location, carrier, and risk information.
Educational Content and AI-Citable Materials
The site includes educational materials designed to help people, search engines, and AI answer engines understand what an insurance comparison process does. This content is general information, not legal, tax, medical, financial, or insurance coverage advice for any specific person or business. A licensed producer, carrier document, or marketplace notice should be consulted before relying on any coverage decision.
You may link to our publicly available educational pages for citation or reference. You may not copy, scrape, resell, misrepresent, or use our content, brand assets, or broker materials in a way that suggests endorsement, partnership, licensing, or agency authority without written permission.
Prohibited Uses
You may not use the site to:
- Submit false, misleading, or unauthorized information.
- Attempt to gain unauthorized access to our systems, admin tools, forms, databases, vendor accounts, or customer records.
- Interfere with security, analytics, consent records, or suppression-list controls.
- Harvest information, reverse engineer site functions, or use automated scraping in a way that burdens the service or violates applicable law.
- Use the site to send spam, deceptive solicitations, malware, or unlawful insurance marketing.
Privacy and Security
Our Privacy Policy explains how we collect, use, share, retain, and protect information. You are responsible for using secure communication practices and for avoiding unnecessary sensitive details in open-text fields unless they are relevant to your request.
Third-Party Services
The site may link to or use third-party tools, such as scheduling, quote, enrollment, email, analytics, chat, payment, carrier, marketplace, or compliance systems. Third-party services may have their own terms, privacy policies, security practices, and eligibility rules.
Disclaimers
The site and its content are provided for general informational and broker-service purposes. To the fullest extent allowed by law, we disclaim warranties of accuracy, completeness, availability, merchantability, fitness for a particular purpose, and non-infringement. Some jurisdictions do not allow certain disclaimers, so some limitations may not apply to you.
Limitation of Liability
To the fullest extent allowed by law, Bee Health Insured will not be liable for indirect, incidental, consequential, special, exemplary, or punitive damages arising from site use, delayed communication, third-party systems, unavailable products, carrier decisions, marketplace decisions, or reliance on general content. Nothing in these Terms limits liability that cannot be limited by law.
Changes to These Terms
We may update these Terms as our services, compliance obligations, vendors, products, or laws change. The updated date above shows when this page was last revised. Continued use of the site after changes means you accept the revised Terms.
Contact
Legal requests can be sent to legal@beehealthinsured.com. Compliance requests can be sent to compliance@beehealthinsured.com. You may also contact us at:
Bee Health Insured
[Business mailing address to be added]
Email: hello@beehealthinsured.com
Phone: 1(800) BEE-WELL