Terms of Service
Effective Date: June 29, 2026 • SwitchBlue Insurance Agency LLC
Please read these Terms of Service carefully before accessing or using our website. By accessing or using any part of the site, you agree to be bound by these terms. If you do not agree to all terms, you must not access the website or use our consultation services.
1. Independent Insurance Agency Status
SwitchBlue Insurance Agency LLC is a licensed, privately owned independent insurance agency. We are not a government agency.
NON-GOVERNMENT AFFILIATION DISCLAIMER: SwitchBlue Insurance Agency LLC is not connected with, endorsed by, or affiliated with the United States government, the federal Medicare program, the Social Security Administration, or the Department of Health and Human Services (HHS).
Our licensed, AHIP-certified agents represent a diverse portfolio of private insurance companies that offer Medicare Advantage, Part D Prescription Drug, and Medicare Supplement plans. We provide independent consultations to help Medicare beneficiaries select coverage that fits their medical needs and budgets.
2. No-Fee Advisory Disclosure
SwitchBlue provides its educational information, comparison tools, and one-on-one licensed agent consultation services at **100% zero cost** to the consumer.
We do not charge you any advisory fees, administrative costs, or subscription fees. If you choose to enroll in an insurance plan through one of our licensed agents, we are compensated directly by the private insurance company (the carrier) through standard regulatory commissions.
Your monthly plan premium is exactly the same whether you enroll directly with the carrier or through a licensed broker like SwitchBlue. Using our agency guarantees you personalized service and advocacy without any surcharge.
3. CMS Plan Availability Disclaimer
In compliance with the Centers for Medicare & Medicaid Services (CMS) regulations, we must prominently display the following mandatory national broker disclosure statement:
MANDATORY CMS DISCLAIMER:
"We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE (TTY users should call 1-877-486-2048) 24 hours a day/7 days a week to get information on all of your options."
While we represent a broad portfolio of major carriers, certain specific plans or localized pilot plans in your ZIP code may not be offered through our agency. We highly encourage consumers to review all options on Medicare.gov.
4. Informational & Educational Purpose Only
The contents of this website, including calculators, plan details, comparisons, and informational blogs, are compiled for general educational purposes only.
Insurance plan benefits, formularies, copays, doctor networks, and government regulations change annually (typically taking effect on January 1st). While we make every effort to maintain accurate, up-to-date data, we cannot guarantee that information displayed on the site is free of omissions.
The information on this site does not constitute formal legal, tax, or medical advice. Formal coverage decisions are governed solely by the terms of the formal insurance policy issued by the underwriting carrier.
5. State Licensing & Jurisdiction
SwitchBlue Insurance Agency LLC is a registered limited liability company headquartered in Fort Walton Beach, Florida, and is licensed to transact health, life, and accident insurance products in Florida.
We do not solicit insurance or offer plan advice outside of the jurisdictions in which our agency and our individual agents are formally licensed. Any access to our website from a state where we are not licensed is purely educational, and we will not initiate enrollment applications for residents of unlicensed states.
6. Permitted User Conduct
You are granted a non-exclusive, non-transferable, revocable license to access this website strictly for your personal, non-commercial use as a prospective insurance customer. You agree not to:
- Use any automated scrapers, bots, or scripts to collect data from our plan comparisons.
- Submit false, misleading, or fraudulent contact details on our consultation inquiry forms.
- Decompile or reverse engineer any calculations or interactive questionnaires.
- Infringe upon the trademarks, logos, or copyrighted layout of SwitchBlue.
7. Limitation of Liability
TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, SWITCHBLUE INSURANCE AGENCY LLC, ITS MEMBERS, AGENTS, AND EMPLOYEES SHALL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, CONSEQUENTIAL, OR SPECIAL DAMAGES ARISING OUT OF YOUR USE OF OR INABILITY TO USE THIS WEBSITE OR OUR SERVICES.
This includes, but is not limited to, damages for loss of profits, loss of data, errors in plan listings, network outages, or any decisions made or actions taken in reliance on the educational content found on our website.
8. Contact Information
If you have any questions, clarifications, or complaints regarding these Terms of Service, please contact our administrative office: