Effective Date: September 2025

 

Welcome to the website of Minnich Insurance (“Company,” “we,” “our,” or “us”). These Terms and Conditions (“Terms”) govern your use of our website and services. Please read them carefully. By using this Site or our services, you agree to these Terms.

 

Medicare Disclaimer

Minnich Insurance is a licensed, independent insurance agency.
We are not connected with or endorsed by the United States Government, the Centers for Medicare & Medicaid Services (CMS), or Medicare.
We represent multiple carriers to help beneficiaries review and compare plan options.

 

Use of Website

You must be 18 years or older to use this Site.
The Site is intended for informational and educational purposes only.
Information provided does not constitute official Medicare information. For official resources, visit www.medicare.gov.

 

Services Provided

We assist with Medicare plan reviews, education, and enrollment during the Annual Enrollment Period (AEP) and other qualifying times.
Before discussing specific plan details, you may be asked to complete a Scope of Appointment (SOA) form, as required by CMS.
No plan recommendation is final until confirmed by the insurance carrier.

 

No Guarantee of Coverage or Savings

Enrollment in a Medicare plan is subject to eligibility and acceptance by the carrier.
Minnich Insurance does not guarantee coverage, cost savings, or specific benefits.

 

Accuracy of Information

While we strive to provide accurate, up-to-date plan information, details are subject to change by CMS and individual carriers.
Always verify plan details directly with Medicare or the carrier before making enrollment decisions.

 

Intellectual Property

All materials on this Site are owned by Minnich Insurance or used under license. Unauthorized use is prohibited.

 

Limitation of Liability

Minnich Insurance is not liable for errors, omissions, or outcomes resulting from your use of this Site or reliance on provided information.
To the extent permitted by law, our liability is limited to the amount you paid us for services (if any).

 

Compliance with CMS Rules

We follow all CMS guidelines for marketing and communications.
Any use of this Site or our services in a way that violates CMS or insurance regulations is prohibited.

 

Governing Law

These Terms are governed by the laws of the State of California, except where federal Medicare law applies.

 

Updates

We may revise these Terms at any time. Updates will be posted on this page with a new “Effective Date.”