WiserHealthInsurance.com (“Site”). Please read these Terms and Conditions (“Terms”) carefully before using our Site or services. By accessing or using the Site, you agree to be bound by these Terms. If you do not agree, please do not use our Site.
By using this Site, you acknowledge that you have read, understood, and agree to these Terms and all applicable laws. We reserve the right to modify or update these Terms at any time without prior notice. Continued use of the Site after changes constitutes acceptance of the updated Terms.
You agree to use the Site responsibly and lawfully. You must not:
Use the Site for any unlawful or fraudulent purpose;
Violate any intellectual property or privacy rights;
Transmit harmful, offensive, or objectionable content;
Interfere with the Site’s operation or security measures.
You must be at least 18 years old or the legal age in your jurisdiction to use the Site. By using the Site, you represent that you have the legal capacity to enter into these Terms.
All content on this Site, including text, graphics, logos, images, software, and trademarks, is owned or licensed by Wiser Health Insurance and is protected by copyright, trademark, and other intellectual property laws. You may use content for personal, non-commercial purposes only. Unauthorized use, reproduction, or distribution of Site content is prohibited.
If you create an account on the Site, you agree to provide accurate and complete information. You are responsible for maintaining the confidentiality of your account credentials and for all activities under your account. Notify us immediately of any unauthorized use.
Wiser Health Insurance provides information and facilitation related to health insurance products. We do not guarantee coverage approval or benefits, which are subject to underwriting and insurer terms. Any insurance contract is directly between you and the insurer.
If you submit content such as reviews or comments, you grant us a non-exclusive, worldwide, royalty-free license to use and display this content on the Site. You warrant that you own or have the rights to the content and that it does not infringe on others’ rights or violate laws. We may remove any content at our discretion.
The Site may contain links to third-party websites or services. We do not control or endorse these sites and are not responsible for their content or policies. Access these links at your own risk.
The Site and related services are provided “as is” and “as available” without warranties of any kind. We make no representations regarding accuracy, reliability, or availability. Use of the Site is at your own risk. Insurance products are subject to the terms and conditions of the respective insurers.
To the fullest extent permitted by law, Wiser Health Insurance and its affiliates are not liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of the Site or services, including loss of profits or data, even if advised of such damages.
You agree to indemnify, defend, and hold harmless Wiser Health Insurance, its affiliates, officers, employees, and agents from any claims, liabilities, damages, losses, costs, or expenses (including reasonable attorneys’ fees) arising out of or related to your violation of these Terms, your improper use of the Site or services, or your infringement or violation of any rights of another person or entity.
We reserve the right to terminate or suspend your access to the Site at any time, without notice or liability, for any reason, including if you breach these Terms. Upon termination, your right to use the Site will immediately cease. Provisions of these Terms that should survive termination, including intellectual property, warranties, indemnity, and limitations of liability, shall remain in full effect.
These Terms shall be governed by and construed under the laws of the jurisdiction in which Wiser Health Insurance operates, without regard to its conflict of law rules. Any legal action or proceeding arising under these Terms or related to the Site must be brought exclusively in the courts of that jurisdiction, and you consent to the jurisdiction and venue of such courts.
Before pursuing formal dispute resolution, you agree to attempt to resolve any dispute with Wiser Health Insurance informally by contacting us directly. If a dispute cannot be resolved informally, either party may bring the dispute before a court of competent jurisdiction as outlined above.
If any part of these Terms is found to be legally invalid or unenforceable, the remaining provisions will continue in full force and effect.
Failure by Wiser Health Insurance to enforce any right or provision of these Terms does not constitute a waiver of that right or provision unless acknowledged and agreed to by us in writing.
These Terms, along with the Privacy Policy and additional posted policies or legal notices, represent the entire agreement between you and Wiser Health Insurance regarding your use of the Site, superseding all prior understandings.
We may update these Terms from time to time. Changes will be posted on this page and will be effective immediately unless otherwise specified. Your continued use of the Site after changes have been made constitutes acceptance of those changes.
For questions or concerns about these Terms, please contact:
Email: info@wiserhealthinsurance.com
Phone: +1 (659) 676-1180 (TTY 711)
Hours of Operation: 8:00am – 7:00pm (EST) Monday to Friday
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WiserHealth Insurance: wiserhealthinsurance.com 2025. All rights reserved. Participating sales agencies represent Medicare Advantage HMO, PPO and PFFS organizations and stand-alone PDP prescription drug plans that are contracted with Medicare. Enrollment depends on the plan’s contract renewal.
We do not offer every plan available in your area. Currently we represent [inset number of organizations] organizations which offer [insert number of plans] products in your area. Please contact Medicare.gov, 1–800–MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options. Please contact 1-800-MEDICARE (TTY users should call 1-877-486-2048), 24 hours a day/7 days a week.
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