Turning 65, or already on Medicare?
Medicare Made Easy
We are local licensed agents. We explain how Medicare works, compare the plans we offer side by side, & help you enroll. You are never charged a fee for our help.
Why clients call us
Medicare Has a Lot of Moving Parts. We Handle Them for You.
Choosing a plan is confusing, & the mail you are getting does not make it easier. We review your doctors, your prescriptions, & your budget, then walk you through the plans we offer & help you coordinate coverage that fits your needs.
Medicare Made Easy
- How Medicare works.
- The difference between Parts A, B, C, & D.
- How the enrollment process works, so you do not incur penalties.
- Based on your medical history, we map out a plan matching you with the right coverage at the best value.
Still on an employer plan
65 Plus & Still Working?
Have you ever taken the time to compare your employer plan against a Medicare plan? If not, you might be missing out.
We sit down & compare your employer coverage against the Medicare plans available in your area, line by line. Clients are often surprised by what they have been paying for. Many end up switching to a Medicare plan that provides much better protection at less cost.
How we help
Four Ways We Work With You
Every one of these starts with a free conversation. There is no cost & no obligation.
New to Medicare, Start Here
A plain overview of how Medicare works, what you need to do to activate it, which deadlines matter, & which plan types fit your situation. We help you complete the applications.
Filling the Gaps in Medicare
Medicare does not cover everything. We offer umbrella coverage to help mitigate those gaps, including cancer, heart & stroke, overnight hospital, rehabilitation, & ambulance coverage.
Prescription Drug Coverage
We run a complete analysis of your prescriptions & compare the results across the plans we offer, so you can see exactly which plan covers your medications at the lowest price.
Long Term Care & Home Health
Custodial/long-term care is not covered by Medicare. We review the options with you, including home health care, assisted living, & skilled nursing, & explain how coverage works before you need it.
Beyond your health coverage
Retirement Planning
Going on Medicare is not the only major change when you retire. The way you handle your money changes too:
Retirement Strategy Shift
Transitioning into retirement requires a fundamental shift from building wealth to generating dependable cash flow. Our strategy pivots from capital accumulation to a disciplined income-generation model, transforming your lifetime savings into a reliable monthly paycheck.
By optimizing yields & prioritizing capital preservation, we structure your portfolio to protect against market volatility while maintaining purchasing power. This risk-managed approach ensures your fixed income remains stable, tax-efficient, & sustainable throughout your retirement.
The Fixed-Income Approach
- Capital Preservation: Protect principal against market volatility.
- Yield Optimization: Target reliable, recurring dividend & interest streams.
- Inflation Shielding: Maintain purchasing power over a multi-decade retirement.
- Tax Efficiency: Minimize drag during systematic portfolio withdrawals.
Worth asking about
You May Qualify for Help Paying Your Medicare Costs.
Your state & the federal government both run assistance programs for those under certain income & asset limits. These programs can help pay your Part B premium & lower what you pay for prescriptions. The limits change each year, & many who qualify never apply because they do not know the programs exist.
We check your eligibility during your consultation & help you fill out the paperwork if you qualify.
Who we help
Service Areas
We are licensed in the following states. If you are not sure whether we can help in your area, just ask.
- Connecticut
- Delaware
- Florida
- Georgia
- Iowa
- Louisiana
- Maryland
- Michigan
- Mississippi
- Missouri
- Nebraska
- New Jersey
- Ohio
- Pennsylvania
- Tennessee
- Virginia
Client Reviews
What Our Clients Are Saying
★★★★★Sep 21, 2026Patrick is the best. He is very educated in his field. Helps you make the best decision in choosing the best plans, that suits your needs. Makes sure you understand everything and asks if you have any questions or concerns.
Helped with: Medicare Supplement, Medicare Advantage, Prescription Drug, Vision Plans, Dental Plans
Marie S., verified client
★★★★★Nov 10, 2025Patrick has always provided exceptional service over the years. I always feel confident and comfortable when discussing my insurance needs with him. I have recommended him to other family members and friends.
Helped with: Medicare Advantage
Aston D., verified client
★★★★★Oct 19, 2025Patrick is the real deal. No high pressure techniques. He's a data driven guy and takes the time to listen to your needs and offers and explains the benefits of a plan that meets your particular situation.
Helped with: Medicare Advantage, Medicare Supplement, Dental Plans, Prescription Drug, Vision Plans
John H., verified client
★★★★★Nov 11, 2025Very knowledgeable about the various products. Looks out for his clients. Always available to answer any questions.
Helped with: Medicare Supplement, Prescription Drug, Dental Plans
Dennis L., verified client
★★★★★Nov 11, 2025Incredible informative, and easy to understand all the options
Helped with: Medicare Advantage, Medicare Supplement, Prescription Drug, Dental Plans, Vision Plans, Critical Illness
Randy E., verified client
★★★★★Nov 10, 2025Patrick is friendly, knowledgeable and well-versed in all the intricacies of the numerous Medicare advantage plans, as well as traditional Medicare. He explains the differences between plans in layman’s terms simplifying the decision process. My husband & I are confident that we are now enrolled in healthcare plans best suited to our individual needs. Let Patrick help you navigate the complexities of the Medicare system!
Helped with: Medicare Advantage
Patti J., verified client
★★★★★Nov 8, 2025He takes his time & listens to see what ins is best for you.
Helped with: Medicare Advantage, Prescription Drug, Dental Plans, Vision Plans, Hospital Indemnity
Roxanne S., verified client
★★★★★Nov 7, 2025Patrick explained my options clearly and concisely. I feel comfortable with the decisions I made. He has also responded quickly to questions I have emailed him since our meeting. I appreciate his help.
Helped with: Medicare Advantage, Prescription Drug, Dental Plans, Vision Plans
Evin R., verified client
★★★★★Nov 7, 2025Very experienced, knowledgeable and helpful. Listened to and analyzed our specific facts, expected location and care needs. Payed particular attention to our high cost/drug tier RX scripts and limited dental & vision costs/exposure. Designed a customized solution using original Medicare adding separate medigap and RX plans budgeted at affordable monthly premiums, avoiding large unanticipated expenses and capping annual out of pocket expenses. Avoided Advantage Plan large upfront deductibles which would be forfeited in event of moving to another state with new carriers.
Helped with: Prescription Drug, Medicare Supplement, Dental Plans, Vision Plans
Tom S., verified client
★★★★★Nov 6, 2025Great guy, very pleasant and knowledgeable. He takes the time to explain everything in detail so that you understand exactly what you’re getting. Very accommodating.
Helped with: Medicare Advantage, Prescription Drug, Dental Plans, Vision Plans, Critical Illness, Hospital Indemnity
Robert L., verified client
★★★★★Nov 4, 2025Patrick is very knowledgeable and was very helpful. He was able to help my husband whose insurance is being canceled next year. He helped with additional dental and hospital indemnity coverage. A real nice guy that explained the features of the different plans and was able to answer all our questions. It was indeed a pleasure meeting him and he provided excellent customer service.
Helped with: Medicare Advantage, Medicare Supplement, Dental Plans, Hospital Indemnity, Prescription Drug, Vision Plans
Roberto H., verified client
★★★★★Nov 3, 2025Did his research, he was well prepared
Helped with: Medicare Advantage
Paula P., verified client
★★★★★Oct 29, 2025Friendly, knowledgeable and willing to go the extra mile.
Helped with: Medicare Advantage, Medicare Supplement, Prescription Drug
John S., verified client
★★★★★Oct 26, 2025Patrick has been my agent for 10+ years now and he has never steered me wrong. He has my best interests at heart.
Helped with: Medicare Supplement, Medicare Advantage, Dental Plans, Vision Plans
Rachel M., verified client
★★★★★Oct 25, 2025I have worked with Patrick for many years. He has consistently provided me courteous, competant, and professional advice and direction. I am satisfied with his performance.
Helped with: Medicare Advantage, Medicare Supplement, Prescription Drug
Richard A., verified client
★★★★★Oct 24, 2025Very informative and knowledgeable. Pleasant and professional
Helped with: Medicare Advantage
Lorie-ann P., verified client
★★★★★Oct 24, 2025He is professional, knowledgeable, easy to communicate with.
Helped with: Medicare Supplement
Helga P., verified client
★★★★★Oct 22, 2025easy to work with, always well prepared
Helped with: Medicare Advantage
Stephen W., verified client
★★★★★Oct 21, 2025Patrick is thorough, he listens to your questions and provides you with information that you can understand.
Helped with: Medicare Advantage
Maria R., verified client
★★★★★Oct 20, 2025Very Honest easy to talk with very knowledgeable regarding health plans
Helped with: Medicare Advantage
Shirley R., verified client
★★★★★Oct 20, 2025Have worked with Patrick for a number of years and have always been satisfied with his service.
Helped with: Medicare Advantage
Louise S., verified client
★★★★★Oct 20, 2025Patrick is the type of person that I would trust and recommend to anyone looking for a honest, straightforward, trustworthy person. If he can’t help it’s because there is no other recourse. Very personable and knowledgeable with the products. No gimmicks, period!
Helped with: Dental Plans, Vision Plans
Mirna R., verified client
★★★★★Oct 19, 2025Very helpful
Helped with: Medicare Advantage, Medicare Supplement
Mariette P., verified client
★★★★★Oct 18, 2025Very informatve,He explained all the differant plans and was helpful with the plan I decided on
Helped with: Medicare Advantage, Medicare Supplement, Prescription Drug, Vision Plans, Dental Plans
Jerry V., verified client
★★★★★Oct 18, 2025He is very knowledgeable and helpful in my insurance policy.
Helped with: Prescription Drug, Dental Plans, Vision Plans, Critical Illness, Hospital Indemnity, Medicare Advantage, Long Term Care, Short Term Care
Deborah R., verified client
★★★★★Oct 17, 2025Patrick has always done a great job with my Medicare plans.
Helped with: Medicare Advantage, Short Term Care
Joan W., verified client
★★★★★Oct 14, 2025Helpful and well informed.
Helped with: Medicare Advantage
Ted Z., verified client
★★★★★Oct 14, 2025Very helpful
Helped with: Medicare Supplement
Mariette P., verified client
★★★★★Oct 12, 2025Patrick is awesome! Professional, helpful, and caring. I feel so blessed to have someone I can rely on and keeps me informed, and updated with Medicre insurance programs.
Helped with: Medicare Advantage, Dental Plans, Vision Plans
Michelle S., verified client
★★★★★Oct 11, 2025Very knowledgeable.
Helped with: Medicare Supplement, Prescription Drug, Dental Plans, Vision Plans, Hospital Indemnity
Patrick C., verified client
★★★★★Oct 11, 2025He's a great communicator, he's like family my whole family has been helped by Patrick. For several years. I would recommend him to anyone that needs to understand Medicare, medicaid and life insurance. Or just to share.
Helped with: Medicare Advantage, Medicare Supplement, Dental Plans, Vision Plans, Prescription Drug
Hilda N., verified client
★★★★★Oct 11, 2025Patrick is very knowledgeable about Medicare and all the plans that are out there, once I gave him all my information, doctors, medications I take he set me up with an advantage plan which I am very pleased with, once a year we get together and he explains the pros and cons within all the plans and then we both decide which plan is the best for me for the following year. Thanks Patrick
Helped with: Medicare Advantage, Medicare Supplement
Donald K., verified client
★★★★★Oct 10, 2025I feel truly blessed that we connected when I was looking for someone to help me with Medicare. Each year Patrick's help and support with medical insurance secures for me that I will be covered in the best way possible. I thank him for all his time, understanding and continuing to providing dedicated, resourceful advice to me.
Michele S., verified client
★★★★★Oct 9, 2025Very knowledgeable and experienced. Great help.
Helped with: Medicare Advantage
Peter D., verified client
★★★★★Oct 8, 2025I trust Patrick with my Medicare needs and questions. He listens to our concerns and is very knowledgeable and helpful, he returns calls and responds very quickly. I have referred some of my friends to Patrick. Great guy to work with.
Helped with: Medicare Advantage, Dental Plans, Prescription Drug, Vision Plans, Long Term Care
Maggie M., verified client
Talk to a Licensed Agent This Week.
Bring your questions, your prescription list, & your current plan card if you have one. We will take it from there. The consultation is free & you are never obligated to enroll.
About us
Who We Are
PHK Health & Wealth LLC proudly serves 16 states, helping eligible Medicare beneficiaries. We work closely with every customer we serve, taking the time to understand their unique situation & helping them make better informed decisions about their health coverage.
We believe in integrity & transparency, communicating clearly & treating you the way we would treat family. Whether you are reaching out for the first time or coming back for your yearly review, we are glad to serve you.
Our Mission
To provide a professional, reliable experience built on trust, clear communication, & genuine care for every client we serve.
How We Are Paid
Our service costs you nothing. We are compensated by the insurance carriers we represent, not by you, & there is never an obligation to enroll in anything we show you.
Our values
What We Hold Ourselves To
Integrity
We do what we say we will do. Honest communication & dependable follow-through are the foundation of how we work.
Transparency
We pride ourselves on open communication. We consider ourselves educators more than salesmen, so you get a clear & unbiased explanation of your options & the room to decide for yourself.
Clarity
No jargon & no pressure. We explain your options in plain language & give you the time you need to think them over.
Availability
We are here after you enroll, not just before. Call us with questions about a claim, a bill, or a change to your plan.
How We Are Held Accountable
Many people worry that agents will simply recommend the plan with the highest commission. Medicare sets strict rules on how agents are compensated & how plans may be presented, specifically to prevent that. Those rules exist so our recommendation reflects what fits your needs & represents the best value for you, not what benefits us.
Contact us
Get in Touch
Have a question or ready to get started? Book an appointment below & you will receive our undivided attention, or call us during business hours.
Book online
The Fastest Way to Reach Us
Pick a time that suits you & you will have our undivided attention. There is no cost for the appointment & no obligation to enroll in anything.
If you would rather talk it through now, call us during business hours & you will reach a member of our team.
Schedule Your Free Consultation
Choose a time below. If nothing works, call us & we can make accommodations outside our normal hours.
Calendar not loading? Open the booking page in a new tab or call +1 860-453-9441.
Frequently asked questions
Common Questions
Medicare throws a lot of terms & deadlines at you at once. Here are the questions we get asked most, answered plainly.
Cannot find what you are looking for? Reach out through our Contact page.
Working With Us
Call us at +1 860-453-9441, or better yet, schedule an appointment so you receive our undivided attention. You can also email us using the details on our Contact page.
Our hours are Monday through Friday, 9:00 AM to 4:00 PM. We can make accommodations outside these hours on request, so let us know what works for you & we will do our best to fit it in.
Booking an appointment is the quickest way to get dedicated time with an agent. If you call, text, or email instead, we aim to respond within one business day.
No. There is no fee for our service & no obligation to enroll in anything. We are compensated by the insurance carriers we represent, not by the clients we help.
If you have opted in to receive text messages from us, you may receive occasional updates or replies by SMS. Message and data rates may apply and message frequency varies. You can opt out at any time by replying to let us know you would like to opt out, or by telling your agent, & reply HELP for assistance. We never sell or share your phone number for third-party marketing.
Our office is at 124 Hebron Ave., Suite 3B-1, Glastonbury, CT. We are licensed in 16 states, & most clients meet with us by phone. The full list of service areas is on our home page.
Getting started is easy. Book an appointment at a time that suits you, or call us during business hours & a licensed agent will take it from there.
Medicare FAQs
Medicare is divided into four parts that work together:
- Part A (Hospital Insurance) covers inpatient hospital stays, skilled nursing facility care, hospice, & some home health care.
- Part B (Medical Insurance) covers doctor visits, outpatient care, preventive services, & some medical supplies.
- Part C (Medicare Advantage) is an alternative to Original Medicare offered by private insurers. It bundles Part A & Part B, often includes Part D, & may add extras like vision or dental.
- Part D (Prescription Drug Coverage) helps pay for prescription medications.
You must have Part A &/or Part B before you can enroll in Part C or Part D.
Most people get a seven-month Initial Enrollment Period built around their 65th birthday. It begins three months before your birthday month, includes your birthday month, & ends three months after. Enrolling inside this window is the simplest path & keeps you clear of penalties.
If you miss your Initial Enrollment Period & do not have other creditable coverage, such as qualifying employer insurance, you may owe late enrollment penalties on Part B & Part D. These penalties are added to your premium & typically last for as long as you have coverage. The longer the delay, the larger the penalty.
No. Medicare covers a great deal, but it is not free. Most people pay no premium for Part A if they have enough work history, but Part A still carries a deductible for each benefit period. Part B has a standard monthly premium plus an annual deductible. Part D premiums vary by plan, & you share prescription costs through copays or coinsurance. Supplemental (Medigap) or Medicare Advantage plans can help reduce what you pay out of pocket.
Original Medicare (Parts A & B) is accepted nationwide by most doctors & hospitals. You can pair it with a standalone Part D plan & a Medigap policy, but it does not include dental, vision, or hearing benefits.
Medicare Advantage (Part C) is offered by private insurers, often designed as managed care networks that may carry a lower premium. Plans commonly bundle prescription, dental, & vision coverage, but they operate through provider networks such as HMOs & PPOs.
Those who travel frequently often prefer Original Medicare for its nationwide access. Those who want bundled benefits in a single plan often lean toward Advantage.
Medigap, also called supplemental insurance, is sold by private companies to cover the gaps left by Original Medicare. Depending on the plan, it can help pay deductibles, copayments, & coinsurance. You must be enrolled in Original Medicare to buy a Medigap policy. Medigap cannot be paired with a Medicare Advantage plan.
You get a one-time six-month Medigap open enrollment period that starts when you are 65 & enrolled in Part B. During that window you can buy any Medigap plan sold in your area without medical underwriting. Once it closes, insurers may deny you coverage or charge more based on your health history. This is the single most time-sensitive decision in Medicare.
IRMAA is an income-related surcharge added to your Part B & Part D premiums if your income exceeds certain thresholds. Medicare bases the determination on your reported income from two years prior, so a high-earning year before retirement can follow you into your first years of coverage. The thresholds & surcharge amounts are set annually.
Not necessarily. If you have had a qualifying life-changing event such as retirement, you can file Form SSA-44 to request that Medicare reconsider your surcharge using your current income instead of the income from two years ago.
Annual Enrollment runs from October 15 to December 7 each year. During that period you can switch from Original Medicare to Medicare Advantage or back, change Advantage plans, & add or change a Part D drug plan.
Yes. Premiums, provider networks, & drug formularies change every year, & a plan that fit you last year may not fit you now. Before you review, make a list of your current prescriptions & doctors. That list is what turns a guess into an informed comparison.
Four come up again & again:
- Missing enrollment deadlines, which triggers lasting penalties.
- Assuming Medicare covers everything. It does not cover routine dental, hearing aids, eyeglasses, cosmetic surgery &/or long-term care.
- Not checking the provider network, which matters most with Advantage plans.
- Ignoring prescription formularies, since a drug may not be covered or may cost more than expected.
Start early & learn your options at least three to six months before you turn 65. Use trusted sources such as licensed agents & brokers to explore & compare plans. Keep records of your enrollment dates, plan letters, & current prescriptions. Then work with your licensed agent, who can walk you through how the options apply to your specific situation. There are no silly Medicare questions, only expensive mistakes made from not asking.
Book a time with us & we will walk through it together.
Legal
Privacy Policy
[[BUSINESS_NAME]]
Effective Date: Jan 1st, [[YEAR]]
1. Information We Collect
We collect the following types of information:
Personal Information
- Name, email address, phone number, physical address
- Payment information when you make a purchase or request a quote
- Opt-in records and timestamps for all communication channels (SMS, email, etc.)
Non-Personal Information
- IP address, browser type, device information
- Website usage patterns and analytics
- Cookies and similar technologies
Customer Communication
- Records of inquiries and service requests
- Appointment details and preferences
- Service history and feedback
2. How We Use Your Information
We use collected data for:
- Providing and improving our services
- Processing transactions and payments
- Communicating with you about your inquiries, appointments, and promotions
- Enhancing website functionality and user experience
- Ensuring security and fraud prevention
- Maintaining records of your communication preferences and consent
3. SMS Messaging & Compliance
Text Message Program Terms & Conditions
By opting into our SMS messaging services, you agree to receive text messages related to our services, including appointment reminders, customer support, and important updates.
Opt-In & Consent
- You will only receive messages if you have explicitly opted in
- We maintain timestamped records of all opt-in actions
- We comply with the Telephone Consumer Protection Act (TCPA) and all applicable laws
Opt-Out Instructions
- You can cancel SMS notifications at any time by replying "STOP"
- You will receive a final confirmation message, and no further messages will be sent unless you re-opt in
- All opt-out requests are processed immediately
Message Frequency & Content
- Message frequency varies based on your interactions with our business
- Messages will be directly related to the services you have requested
- We do not send promotional content without specific consent
Help & Support
- Reply "HELP" for assistance or contact us at [[EMAIL]]
- Customer support is available during regular business hours
Carrier Information
- Standard message and data rates may apply
- Carriers are not liable for delayed or undelivered messages
- Supported carriers include AT&T, Verizon, T-Mobile, Sprint, and most regional carriers
SMS Data Protection Statement
No mobile information will be shared with third parties/affiliates for marketing/promotional purposes. Information sharing to subcontractors in support services, such as customer service is permitted. All other use case categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.
We implement strict data protection measures to safeguard your SMS opt-in information and consent records.
4. Information Sharing & Disclosure
We do not sell, rent, or trade personal information. We may share information with:
Service Providers
- Third-party vendors who assist in our operations (e.g., payment processing, appointment scheduling)
- SMS aggregators and providers solely for the purpose of delivering messages you've consented to receive
- All service providers are contractually obligated to maintain confidentiality and security
Legal Compliance
- If required by law, legal process, or to protect our rights
- In response to valid law enforcement requests or court orders
Business Transfers
- In case of mergers, acquisitions, or sale of assets
- In such cases, your data remains protected under the terms of this policy
All the above categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties, excluding aggregators and providers of the Text Message services.
5. Data Security
We implement and maintain reasonable security measures to protect your personal information:
- Encryption of sensitive data in transit and at rest
- Secure access controls and authentication mechanisms
- Regular security assessments and updates
- Employee training on data protection
- Breach notification protocols in accordance with applicable laws
- Secure backup systems and disaster recovery procedures
Despite these measures, no method of transmission over the Internet or electronic storage is 100% secure. We strive to use commercially acceptable means to protect your personal information but cannot guarantee absolute security.
6. Cookies & Tracking Technologies
We use cookies and similar technologies to:
- Analyze site traffic and user behavior
- Remember your preferences
- Improve website functionality and user experience
- Measure the effectiveness of our services
You may control cookies through your browser settings. Disabling cookies may limit your ability to use certain features of our website.
7. Your Rights & Choices
You have the right to:
- Access, update, or delete your personal information
- Opt-out of marketing emails by clicking "unsubscribe" in our emails
- Opt-out of SMS messages by replying "STOP"
- Request information on how we process your data
- Withdraw consent at any time for future communications
- Lodge a complaint with a supervisory authority if you believe your rights have been violated
To exercise these rights, please contact us using the information in Section 10.
8. Third-Party Links
Our website may contain links to third-party websites. We are not responsible for their privacy practices and encourage you to review their policies. This privacy policy applies only to information collected by [[BUSINESS_NAME]].
9. Changes to This Privacy Policy
We may update this policy periodically. The latest version will always be available on our website with the effective date. For significant changes, we will notify you by email or through a notice on our website.
10. Contact Us
If you have questions about this Privacy Policy or how your information is handled, contact us at:
[[BUSINESS_NAME]]
Phone: [[PHONE]]
Email: [[EMAIL]]
Website: [[WEBSITE]]
By using our website and services, you consent to this Privacy Policy.
Legal
Terms of Service
[[BUSINESS_NAME]]
Effective Date: Jan 1st, [[YEAR]]
SMS Messaging Terms & Compliance
1. Program Description
This messaging program sends appointment confirmation and reminder messages to customers who have booked an appointment with [[BUSINESS_NAME]] through our website at [[WEBSITE]], or via our scheduling forms, and have explicitly opted in to receive SMS notifications. Opt-in is collected via web forms with a dedicated checkbox for SMS consent. Messages include scheduling confirmations, appointment reminders, rescheduling updates, and customer support communications.
2. Cancellation Instructions
You can cancel the SMS service at any time. Simply text "STOP" to the same number that sent you messages. Upon sending "STOP," we will confirm your unsubscribe status via SMS. Following this confirmation, you will no longer receive SMS messages from us. To rejoin, sign up as you did initially, and we will resume sending SMS messages to you.
3. Support Information
If you experience issues with the messaging program, reply with the keyword "HELP" for more assistance, or reach out directly to [[EMAIL]] or call [[PHONE]] during business hours.
4. Carrier Liability
Carriers are not liable for delayed or undelivered messages.
5. Message & Data Rates
Message and data rates may apply for messages sent to you from us and to us from you. Message frequency varies based on your service usage and appointment schedule. For questions about your text plan or data plan, contact your wireless provider.
6. Supported Carriers
Our SMS program works with all major U.S. wireless carriers, including AT&T, T-Mobile, Verizon, Sprint, and most regional carriers.
7. Age Restriction
You must be 18 years or older to participate in our SMS program.
8. Privacy Policy
For privacy-related inquiries, please refer to our Privacy Policy.
We comply with all applicable laws and regulations, including the Telephone Consumer Protection Act (TCPA) and CTIA guidelines, regarding the use of SMS communications.
General Terms
This website (the "Site") is owned and operated by [[BUSINESS_NAME]] ("COMPANY," "we" or "us"). By using the Site, you agree to be bound by these Terms of Service and to use the Site in accordance with these Terms of Service, our Privacy Policy, and any additional terms and conditions that may apply to specific sections of the Site or to products and services available through the Site or from [[BUSINESS_NAME]].
Accessing the Site, in any manner, whether automated or otherwise, constitutes use of the Site and your agreement to be bound by these Terms of Service.
We reserve the right to change these Terms of Service or to impose new conditions on the use of the Site from time to time, in which case we will post the revised Terms of Service on this website. By continuing to use the Site after we post any such changes, you accept the Terms of Service, as modified.
Intellectual Property Rights
Our Limited License to You
This Site and all the materials available on the Site are the property of [[BUSINESS_NAME]] and/or our affiliates or licensors and are protected by copyright, trademark, and other intellectual property laws. The Site is provided solely for your personal non-commercial use.
You may not use the Site or the materials available on the Site in a manner that constitutes an infringement of our rights or that has not been authorized by us.
Unless explicitly authorized, you may not modify, copy, reproduce, republish, upload, post, transmit, translate, sell, create derivative works, exploit, or distribute in any manner or medium any material from the Site. However, you may download and/or print one copy of individual pages for your personal, non-commercial use, provided that you keep intact all copyright and other proprietary notices.
Your License to Us
By posting or submitting any material (including comments, blog entries, social media posts, photos, and videos) to us via the Site, internet groups, or other digital venues, you represent that you own the material or have obtained the necessary permissions. You grant us a royalty-free, perpetual, irrevocable, non-exclusive, worldwide license to use, modify, transmit, sell, exploit, create derivative works from, distribute, and publicly perform or display such material.
Disclaimers
Throughout the Site, we may provide links and pointers to Internet sites maintained by third parties. Our linking to such third-party sites does not imply an endorsement or sponsorship of such sites or the information, products, or services offered on or through the sites.
The information, products, and services offered on or through the Site are provided "as is" and without warranties of any kind, either express or implied. To the fullest extent permissible pursuant to applicable law, we disclaim all warranties, including implied warranties of merchantability and fitness for a particular purpose.
You agree at all times to indemnify and hold harmless [[BUSINESS_NAME]], its affiliates, and their respective officers, directors, agents, and employees from any claims, causes of action, damages, liabilities, costs, and expenses arising out of or related to your breach of any obligation, warranty, or representation under these Terms of Service.
Online Commerce
Certain sections of the Site may allow you to purchase products and services from third-party vendors. We are not responsible for the quality, accuracy, timeliness, reliability, or any other aspect of these products and services. If you make a purchase from a third party linked through the Site, the information obtained during your visit, including payment information, may be collected by both the merchant and us.
Your participation in any dealings with third-party vendors is solely between you and the third party. [[BUSINESS_NAME]] shall not be responsible for any loss or damage incurred as a result of such dealings.
Registration & Passwords
To access certain features of the Site, you may be required to register and create an account. You agree to provide accurate, current, and complete information during the registration process. You are responsible for maintaining the confidentiality of your login credentials and for all activities conducted under your account.
If you suspect unauthorized use of your account, notify us immediately at [[EMAIL]]. We are not liable for any loss or damage arising from your failure to comply with this obligation.
Termination
We reserve the right to terminate or suspend your access to the Site, without notice, if we determine that you have violated these Terms of Service or engaged in conduct that we deem inappropriate or unlawful. Upon termination, you must cease all use of the Site and any content obtained from it.
Governing Law
These Terms of Service shall be governed by and construed in accordance with the laws of the state in which [[BUSINESS_NAME]] operates. Any dispute arising under these Terms shall be resolved exclusively through binding arbitration in that jurisdiction.
Changes to Terms of Service
We may update these Terms of Service from time to time. The latest version will always be available on our website with the effective date.
For any questions regarding these Terms of Service, please contact us at:
[[BUSINESS_NAME]]
Phone: [[PHONE]]
Email: [[EMAIL]]
Website: [[WEBSITE]]
By using our website and services, you consent to these Terms of Service.