A plain letter about using this site

Handrail is a free informational and referral service operated by a private company. We provide general educational content about Medicare and, at your request, may introduce you to licensed insurance agents and independent partner organizations.

This site is not affiliated with, endorsed by or connected to the U.S. government or the federal Medicare program. We are not an insurance company, we do not issue or administer plans, and we do not give legal, tax, financial or medical advice. We do not offer every plan available in your area. For information on all of your options, contact Medicare.gov, 1-800-MEDICARE (TTY 1-877-486-2048) or your local State Health Insurance Assistance Program (SHIP).

Plan availability, benefits, networks and eligibility vary by ZIP code and over time. We do not promise that you will qualify for, receive or save money with any plan, or that any information on the site is complete or current at the moment you read it. Please verify details with the plan, Medicare.gov or your SHIP.

Agents, agencies and partner organizations, including those on our partners page, are independent. Listing is informational and is not an endorsement. Their products, statements, licenses and conduct are their responsibility, and your dealings with them are between you and them. The list may change at any time.

If you submit a form, you authorize us and our partners to contact you as described in the consent language shown with that form and in our Privacy Policy. You promise that the information you give is accurate and that you are entitled to give consent for the phone number and email you provide.

Do not use the site unlawfully, attempt to interfere with it or gain unauthorized access, scrape it in bulk, or submit information about someone else without their permission.

The site’s text, illustrations, layout and the Handrail name are owned by us or our licensors. You may view and share links to pages for personal, non-commercial use, but may not copy or republish the site’s material without written permission.

The site may link to other websites, including Medicare.gov. We do not control those sites and are not responsible for them.

The site and its content are provided “as is” and “as available,” without warranties of any kind, express or implied, including any warranty of accuracy, fitness for a particular purpose or non-infringement.

To the fullest extent the law allows, Handrail and its owners, employees and service providers are not liable for indirect, incidental, special, consequential or punitive damages, or for loss of data or profits, arising from your use of the site or your dealings with any partner. Some places do not allow certain limits, so parts of this section may not apply to you.

These terms are governed by the laws of [State, to be completed], without regard to conflict-of-law rules. Any dispute will be resolved by binding individual arbitration administered in [County/State, to be completed], except that either side may bring a qualifying claim in small-claims court. You waive any right to a jury trial or class action to the extent permitted by law.

We may revise these terms. The date at the top shows the latest version, and using the site afterward means you accept the update. Questions: legal@handrailmedicare.online.