Welcome to the website of Caring Curations Medicare and Health Advisors (“Caring Curations,” “we,” “us,” or “our”). These Terms & Conditions govern your access to and use of our website and its content.
By accessing or using this website, you agree to these Terms & Conditions. If you do not agree with them, please do not use the website.
Caring Curations Medicare and Health Advisors
Staten Island NY 10314
Phone: 848-257-9344
Email: RamiAA@caringcurations.com
1. About Our Website
Caring Curations Medicare and Health Advisors provides information and guidance relating to Medicare and health insurance options, including:
- Medicare Advantage
- Medicare Supplement
- Prescription Drug Plans (Part D)
- Dental, Vision & Hearing coverage
- Ancillary insurance products
- Medicare-related consultations and guidance
Information on this website is provided for general informational and educational purposes and is not intended to replace individualized advice regarding your particular circumstances.
2. No Government Affiliation
Caring Curations Medicare and Health Advisors is an independent insurance business.
We are not affiliated with or endorsed by the U.S. government or the federal Medicare program.
The Medicare name and related terminology are used to describe insurance products and services that may be available to eligible individuals.
3. Insurance Information and Availability
Information presented on this website may describe types of Medicare and health insurance coverage that may be available.
However:
- Not every plan is available in every location.
- Eligibility requirements may apply.
- Benefits and coverage may vary.
- Premiums, deductibles, copayments, coinsurance, networks, formularies, and other costs may vary.
- Plan availability and benefits may change from year to year.
- Enrollment periods and eligibility rules may apply.
Nothing on this website guarantees that a particular insurance plan or benefit will be available to you.
For Medicare Advantage and Part D products, CMS rules and applicable federal and state requirements govern Medicare marketing activities.
4. No Guarantee of Coverage
Submitting a contact form, requesting a consultation, speaking with an advisor, or reviewing information on this website does not guarantee enrollment in any Medicare or insurance plan.
Coverage becomes effective only after all applicable requirements have been satisfied and the relevant insurance carrier or plan has accepted the enrollment or application, as applicable.
5. Website Information
We make reasonable efforts to provide useful and accurate information. However, information on the website may become outdated or may not reflect the most current plan-year information.
We do not guarantee that:
- All information is complete or current.
- Information will be available at all times.
- The website will operate without interruption.
- Errors or omissions will always be corrected immediately.
- Information will apply to your individual circumstances.
Insurance and Medicare decisions should be based on current plan documents, applicable government information, and individualized guidance where appropriate.
6. Consultations
A consultation request submitted through this website is a request to communicate with Caring Curations.
Submitting a request does not automatically create an insurance policy, contract, enrollment, or guarantee of coverage.
Appointments are subject to availability.
If an appointment must be changed or cancelled, we may contact you using the contact information you provide.
7. Website Forms
When using our contact or consultation forms, you agree to provide information that is accurate and reasonably complete.
Do not submit your Social Security number, Medicare Beneficiary Identifier (MBI), medical records, detailed medical history, prescription information, financial account information, or other highly sensitive information through a general website form.
If sensitive information is required for a particular insurance transaction, we may provide or direct you to a more appropriate secure process.
8. Communications and Consent
By voluntarily submitting your contact information through our website, you may be contacted regarding the inquiry or service you requested.
Where applicable, additional consent may be required before certain telephone, text-message, or marketing communications are sent.
You may withdraw consent or request that communications stop, subject to applicable legal requirements and legitimate business communications.
Medicare marketing and communications are subject to applicable federal and state requirements. CMS states that agents and brokers participating in Medicare marketing must follow applicable Medicare marketing rules and state licensing requirements.
9. Third-Party Websites and Services
Our website may contain links to third-party websites, including:
- Medicare.gov
- Insurance carrier websites
- Appointment scheduling services
- Other healthcare or insurance resources
These websites are operated independently from Caring Curations.
We are not responsible for the content, availability, security, privacy practices, or terms of third-party websites.
Your use of a third-party website is governed by that website’s own terms and policies.
10. Intellectual Property
Unless otherwise indicated, the content of this website, including:
- Text
- Graphics
- Website design
- Branding
- Original images
- Layout
- Icons
- Logos owned by Caring Curations
- Other website materials
is owned by or used by Caring Curations under applicable rights and may not be copied, reproduced, modified, distributed, or commercially exploited without appropriate authorization.
Insurance carrier names and trademarks belong to their respective owners.
11. Insurance Carrier Trademarks
References to insurance carriers, plan sponsors, organizations, or other third parties are provided for identification and informational purposes.
Nothing on this website should be interpreted as creating an endorsement, partnership, sponsorship, or affiliation beyond an actual authorized business relationship.
Carrier availability and authorization may vary by state, product, plan year, and individual circumstances.
12. Prohibited Use
You agree not to use this website to:
- Violate any applicable law or regulation
- Attempt to gain unauthorized access to the website
- Interfere with website security or operation
- Submit intentionally false information
- Introduce malicious code or harmful software
- Scrape or systematically copy website content without authorization
- Impersonate another person or organization
- Use the website for fraudulent purposes
We reserve the right to restrict or terminate access to the website where reasonably necessary to protect the website, our users, or our business.
13. No Medical Advice
Caring Curations provides Medicare and insurance guidance.
The information on this website is not medical advice, diagnosis, or treatment and should not be used as a substitute for advice from a qualified healthcare professional.
For medical questions or concerns, consult an appropriately qualified healthcare professional.
14. No Financial or Legal Advice
Information on this website should not be considered legal, tax, accounting, or individualized financial advice.
You should consult an appropriately qualified professional regarding questions specific to your legal, financial, or tax circumstances.
15. Accuracy of Advertising and Information
We aim to provide information that is accurate and appropriately supported.
Plan benefits, costs, eligibility, networks, formularies, and availability should be verified against current plan documentation and applicable information before making an enrollment decision.
Advertising and marketing claims should be truthful and appropriately supported under applicable consumer-protection requirements.
16. Disclaimer of Warranties
To the extent permitted by applicable law, this website and its content are provided on an “as is” and “as available” basis.
We do not make warranties regarding the website’s uninterrupted availability, completeness, accuracy, reliability, or suitability for a particular purpose.
Nothing in these Terms excludes or limits rights that cannot legally be excluded or limited.
17. Limitation of Liability
To the extent permitted by applicable law, Caring Curations Medicare and Health Advisors and its owners, employees, contractors, representatives, and service providers will not be liable for indirect, incidental, consequential, special, or similar damages arising from your use of, or inability to use, this website.
This provision does not exclude or limit liability where such exclusion or limitation is prohibited by law.
18. Indemnification
To the extent permitted by applicable law, you agree to indemnify and hold harmless Caring Curations Medicare and Health Advisors and its owners, employees, contractors, representatives, and service providers from claims, losses, liabilities, damages, and expenses arising from your unlawful use of the website, violation of these Terms, or violation of another person’s rights.
19. Privacy
Your use of this website is also subject to our Privacy Policy, which explains how information may be collected, used, and disclosed.
Please review the Privacy Policy before submitting personal information through the website.
20. Accessibility
Caring Curations is committed to making its website accessible and usable for as many people as reasonably possible.
If you experience difficulty accessing any portion of the website or need assistance obtaining information, please contact us:
Phone: 848-257-9344
Email: RamiAA@caringcurations.com
21. Changes to These Terms
We may update these Terms & Conditions from time to time.
When changes are made, we will update the “Last Updated” date at the top of this page.
Your continued use of the website after changes are posted constitutes acceptance of the updated Terms, to the extent permitted by applicable law.
22. Governing Law
These Terms & Conditions will be governed by applicable laws, without regard to conflict-of-law principles, except where applicable law requires otherwise.
Any dispute will be handled in accordance with applicable law and any legally required consumer protections.
23. Severability
If any provision of these Terms is determined to be invalid or unenforceable, the remaining provisions will continue to apply to the extent permitted by law.
24. Entire Agreement
These Terms & Conditions, together with our Privacy Policy and any other policies expressly incorporated into these Terms, constitute the terms governing your use of this website, except where additional terms apply to a particular service or transaction.
25. Contact Us
If you have questions about these Terms & Conditions, please contact:
Caring Curations Medicare and Health Advisors
Staten Island NY 10314
Email: RamiAA@caringcurations.com
Phone: 848-257-9344
Guidance you trust. Care you can count on.