Terms of Service

General Information and Education

This website provides general insurance information and educational guidance to help you better understand your coverage options. The content is intended to support, not replace, a personal consultation with a licensed insurance professional.

No Guarantee of Coverage or Enrollment

The content on this website is not a guarantee of coverage, eligibility, benefits, premiums, or enrollment. Any descriptions of plans or benefits are summary in nature and do not represent the full terms of any insurance policy.

Plan Availability and Variations

Plan availability, benefits, premiums, provider networks, and eligibility vary by insurance carrier, plan, and service area. What is available to one visitor may not be available to another. We do not offer every plan available in your area. For information on all available options, you may contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP).

Enrollment Process

Visitors must complete the applicable carrier enrollment process before any insurance coverage can become effective. Enrollment is subject to the rules, underwriting, and acceptance of the relevant insurance carrier, and coverage begins only upon the carrier’s confirmation.

Consultation Forms Do Not Create a Contract

Submitting a consultation form or contacting us through this website does not create an insurance contract and does not enroll you in any plan. It is a request for information and guidance only.

Not Legal, Tax, or Medical Advice

Information on this website should not be considered legal, tax, or medical advice. For guidance specific to your legal, tax, or health situation, please consult a qualified professional in the relevant field.

External Links

This website may contain links to external websites that are provided for your convenience. We do not control and are not responsible for the content, accuracy, or privacy practices of those third-party sites.

Intellectual Property

All website content, branding, logos, and materials belong to Noel Rivera Insurance and may not be reproduced or used without our prior written permission.

Limitation of Liability

To the fullest extent permitted by law, Noel Rivera Insurance shall not be liable for any direct, indirect, incidental, or consequential damages arising from your use of, or reliance on, the information provided on this website. Your use of the site is at your own discretion.

Changes to These Terms

We reserve the right to update or modify these Terms of Service at any time. Changes become effective when posted on this page. Continued use of the website after changes constitutes acceptance of the updated terms.

Contact Us

If you have any questions about these Terms of Service, please contact us:

Noel Rivera Insurance
Phone: 689-275-3802
Email: noel@noelriverainsurance.com
Website: https://noelriverainsurance.com