These Terms & Conditions apply to solomonhealthgroup.com and webpages, forms, appointment tools, educational materials and outbound links made available through the website. “Solomon Health Group,” “we,” “us” and “our” refer to Solomon Health Group, LLC. “You” refers to a visitor, prospective client or user of the website.

You must be legally able to enter into these terms. The website is intended for users located in the United States. It is not directed to children under 13.

Solomon Health Group is an independent insurance agency and brokerage that provides education, licensed guidance and assistance with evaluating insurance options. We are not an insurance carrier, healthcare provider, government agency, tax adviser, investment adviser or law firm.

Website content is general educational information. It is not a policy, certificate of coverage, quote, binder, guarantee of benefits, guarantee of eligibility, offer to issue coverage, medical advice, tax advice, legal advice or investment advice. Your policy, certificate, evidence of coverage, summary of benefits, carrier contract and applicable law control if they differ from information on this website.

Insurance products, premiums, benefits, exclusions, limitations, networks, formularies, underwriting requirements and enrollment periods vary by carrier, plan, location and individual circumstances. Not every product shown or discussed is available in every state.

Solomon Health Group and its individual insurance producers provide solicitation or enrollment assistance only where properly licensed and, when required, appointed or otherwise authorized. Review our License Information page for the current licensing footprint. Displaying information about a product does not mean we are authorized to recommend, solicit or enroll that product in every jurisdiction.

Any estimate or preliminary quote is based on information available when it is generated and may change. Coverage is not effective merely because you request information, complete a form, submit an application, pay an initial premium or receive assistance from us. Coverage becomes effective only when the applicable carrier or program approves the application and confirms an effective date, subject to its rules and required payment.

• You are responsible for providing complete and accurate application information.
• Carriers and government programs—not Solomon Health Group—make final eligibility, underwriting, subsidy, enrollment and claims decisions.
• Provider directories and prescription formularies can change. Confirm providers, facilities and prescriptions directly before enrollment and before receiving services.
• Never cancel existing coverage until you have confirmed the effective date and terms of replacement coverage.

Marketplace premium tax credits and cost-sharing reductions are determined by the applicable Marketplace under current law and application information. Advance premium tax credits may be reconciled on a federal tax return. Consult a qualified tax professional about your circumstances.

The website may link to carrier websites, provider directories, HealthSherpa, UnitedHealthcare shopping tools, scheduling platforms, social networks and other third-party services. Those services are operated by their respective owners and are governed by their own terms, privacy policies, security practices and accessibility features.

A link does not transfer responsibility for a third party’s content, availability, pricing, accuracy, data practices or performance to Solomon Health Group. Review the terms and privacy notices presented by the third party before submitting information or completing a transaction.

When you request information, schedule an appointment or submit a contact form, you authorize Solomon Health Group to respond using the contact methods you provide. A request for service does not by itself create consent for marketing communications where separate prior express written consent is required.

If you separately agree to receive marketing calls or text messages, your consent applies only as described in the disclosure presented when consent is collected. Consent is not a condition of purchasing goods or services. Message frequency may vary, and message and data rates may apply. You may revoke text-message consent by replying STOP. Reply HELP for help. You may withdraw email marketing consent by using an available unsubscribe link or contacting us.

Requests to stop communications will be honored as required by applicable law, although we may still send non-marketing messages necessary to respond to you, administer an existing relationship or comply with legal obligations.

Our collection and use of personal information is described in our Privacy Policy and Cookie Policy. Do not submit Social Security numbers, banking details, medical records or other highly sensitive information through a general website form unless the form specifically requests it and provides an appropriate secure method.

By communicating electronically, you acknowledge that email and ordinary text messaging may not always be secure. You are responsible for maintaining access to your email account, telephone and devices.

Unless otherwise stated, the website’s original text, design, graphics, agency branding, organization and other content are owned by or licensed to Solomon Health Group, LLC and are protected by applicable intellectual-property laws. Carrier names, logos and trademarks belong to their respective owners and are used only as permitted.

You may view, download or print reasonable portions of the website for personal, noncommercial use. You may not reproduce, modify, republish, sell, scrape, distribute or create derivative works from website content without written permission, except as allowed by law.

You agree not to misuse the website. Prohibited activity includes attempting unauthorized access; introducing malicious code; interfering with website operation; impersonating another person; submitting false or misleading information; using automated systems to scrape or overload the website; or using the website for unlawful, fraudulent or abusive activity.

We may restrict access when reasonably necessary to protect users, carriers, service providers, our systems or legal rights.

Solomon Health Group is not connected with or endorsed by the U.S. government or the federal Medicare program. Medicare plan availability, benefits, premiums, networks and formularies vary by location and may change from year to year. Enrollment depends on eligibility and applicable election periods.

We aim to provide useful, current information, but laws, regulations, carrier rules, pricing and plan details change. The website is provided on an “as is” and “as available” basis. To the fullest extent permitted by law, Solomon Health Group disclaims warranties of accuracy, completeness, merchantability, fitness for a particular purpose, noninfringement and uninterrupted availability.

To the fullest extent permitted by law, Solomon Health Group and its owners, employees, agents and service providers will not be liable for indirect, incidental, special, consequential, exemplary or punitive damages arising from website use, inability to use the website, reliance on general information, third-party services or unauthorized access. Nothing in these terms excludes liability that cannot lawfully be excluded.

You agree to be responsible for losses or claims resulting from your unlawful misuse of the website or material breach of these terms, to the extent permitted by law.

Changes to the website or these terms

We may update the website and these terms as services or requirements change. The “Last updated” date identifies the current version. Continued use after an update means the revised terms apply from that point forward.

Accessibility

We work to make website information usable for a broad audience. If you have difficulty accessing content or need information in another format, please contact us so we can provide reasonable assistance.

Severability and waiver

If a provision is found unenforceable, the remaining provisions will continue in effect to the extent permitted by law. Failure to enforce a provision does not waive it.

Governing law

These terms are governed by applicable federal law and the laws of the State of Florida, without regard to conflict-of-law principles, except where another jurisdiction’s law must apply. Mandatory consumer and insurance protections remain unaffected.

For questions, accessibility assistance or requests concerning these Terms & Conditions, contact Solomon Health Group through our Contact page, email collin@solomonhealthgroup.com, or call 407-353-9008.