Impact Benefit Consultants — Website & Agency Disclaimer

Educational Use Only.
The information on this website and in our materials is for educational purposes and general guidance. It is not legal, tax, medical, or financial advice. Coverage decisions should be made after reviewing official plan documents and speaking with a licensed professional.

Not Government Endorsed.
Impact Benefit Consultants is not connected with, sponsored by, or endorsed by the U.S. Government, the federal Medicare program, the Social Security Administration, Healthcare.gov, or any state or federal agency.

CMS Disclosure (Required).
We do not offer every plan available in your area. Any information we provide is limited to the plans we do offer in your area. Contact Medicare.gov or 1-800-MEDICARE (TTY: 1-877-486-2048) to get information on all of your options, or contact your local State Health Insurance.

Plan Availability & Contracting.
Plans, benefits, premiums, provider networks, formularies, service areas, star ratings, and cost-sharing are subject to change and may vary by county, ZIP code, and carrier. Medicare Advantage (Part C) and Part D plans are offered by Medicare-contracted organizations; enrollment depends on contract renewal with Medicare. Medigap (Medicare Supplement) policies are issued by private insurers and may require underwriting outside guaranteed-issue periods. ACA Marketplace plan eligibility and subsidy amounts are determined by the Marketplace based on federal and state rules and your reported household information; final credit calculations are reconciled with the IRS.

No Guarantee of Coverage or Savings.
Quotes and plan comparisons are illustrative and not a guarantee of coverage, approval, or savings. Final eligibility, rates, effective dates, and benefits are determined by the issuing insurer or exchange after application review.

Doctors, Networks & Formularies.
Provider participation and drug coverage can change at any time. Always confirm in-network providers, pharmacies, and formulary tiers (drug name, strength, dosage, and quantity limits) with the plan/carrier before receiving services or filling prescriptions.

Life & Ancillary Insurance.
Life insurance and ancillary products (dental/vision/hearing, hospital indemnity, etc.) are issued by third-party insurers. Availability, riders, exclusions, and limitations vary by state and carrier. Guarantees are subject to the claims-paying ability of the issuing insurer.

Compensation & Independence.
Impact Benefit Consultants is an independent insurance agency. We may receive commissions or other compensation from insurers for enrollments. This compensation does not increase your premium and does not limit our obligation to act in your best interest.

No Warranties; Accuracy & Updates.
We strive for accuracy but errors or omissions may occur and information may become outdated. All content is provided “as is” without warranties of any kind. Always refer to official policy/plan documents and carrier disclosures.

External Links.
Links to third-party sites are provided for convenience. Impact Benefit Consultants is not responsible for their content, accuracy, or security practices.

Communications, Calls & SMS.
By providing contact information, you may allow us to contact you via phone, email, or SMS about insurance options. Message & data rates may apply. Messaging frequency varies. Reply STOP to opt out, HELP for help. Communication practices are governed by our Privacy Policy and SMS Terms, which explain consent, opt-out, and data handling.

Privacy.
We respect your privacy and protect personal information in accordance with applicable laws, including HIPAA where applicable. See our full Privacy Policy for details on what we collect, how we use it, and your choices.

State Licensing.
Products and services are offered only in states where we are licensed and by appropriately licensed agents. Availability may vary.

Solicitation of Insurance.
This website and our communications may constitute a solicitation of insurance. A licensed agent/producer may contact you.

Last updated: {17/9/25}