Terms & Conditions
Last Updated: January 2025
Agreement to Terms
By accessing or using this website, you agree to be bound by these Terms and Conditions. If you do not agree to these terms, please do not use our website or services.
The Sturdy American is owned and operated by Media Atlas LLC.
Description of Service
This website is a referral service that connects consumers with licensed insurance agents and carriers who offer Medicare Advantage, Medicare Supplement, and Prescription Drug Plans. We are not a licensed insurance company, agent, or broker.
We are not affiliated with or endorsed by the Centers for Medicare & Medicaid Services (CMS) or any government agency.
Plan Availability and Representation
We do not offer every plan available in your area. Currently, we represent multiple organizations which offer various products in your area. The number of organizations and plans varies by location.
Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.
Enrollment Limitations
Enrollment in a plan may be limited to certain times of the year unless you qualify for a Special Enrollment Period or you are in your Medicare Initial Enrollment Period. 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.
Consent to Contact
By submitting your information through this website, you consent to be contacted by us and our partner insurance agents and carriers regarding Medicare coverage options. This consent includes:
- Phone calls to the number you provided, including through automated dialing systems
- Text messages (SMS) to your mobile phone
- Emails to the address you provided
Your consent is not required as a condition of purchasing any goods or services. You may revoke your consent at any time by contacting us.
Accuracy of Information
You agree to provide accurate, current, and complete information when using our services. We are not responsible for any errors or omissions in the information you provide, or for any consequences that may result from inaccurate information.
No Insurance Advice
We do not provide insurance advice or recommendations. Any information provided on this website is for general informational purposes only and should not be considered as insurance advice. You should consult with a licensed insurance agent to discuss your specific needs and circumstances.
Third-Party Services
Our service connects you with third-party licensed insurance agents and carriers. We are not responsible for the actions, products, services, or content of these third parties. Any interactions you have with third-party agents or carriers are solely between you and them.
Disclaimer of Warranties
This website and services are provided "as is" and "as available" without any warranties of any kind, either express or implied. We do not warrant that the website will be uninterrupted, error-free, or free of viruses or other harmful components.
Limitation of Liability
To the fullest extent permitted by law, we shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenues, whether incurred directly or indirectly, or any loss of data, use, goodwill, or other intangible losses resulting from your use of our services.
Indemnification
You agree to indemnify and hold harmless our company, its affiliates, and their respective officers, directors, employees, and agents from any claims, damages, losses, liabilities, and expenses arising out of your use of our services or violation of these Terms.
Changes to Terms
We reserve the right to modify these Terms at any time. We will notify you of any material changes by posting the updated Terms on our website. Your continued use of our services after such changes constitutes your acceptance of the new Terms.
Governing Law
These Terms shall be governed by and construed in accordance with the laws of the United States and the state in which our company is located, without regard to conflict of law principles.
Contact Information
If you have any questions about these Terms, please contact us at:
Email: contact@thesturdyamerican.com
Phone: 1-800-MEDICARE
Media Atlas LLC