Contact Us
RetireFlo Survey

Terms of Service – Insure With Kerry Updated 5/27/2026

1. Scope of Services & Broker Role

  • Free Services: Brokers clarify that their guidance, plan comparisons, and enrollment assistance do not cost you extra. They are compensated via commissions built directly into standard premium rates.
  • Independence: Unlike captive insurance agents who sell for one specific company, brokers typically represent multiple insurers and offer a broader range of options.
  • No Authority to Bind: The terms explicitly state the broker cannot approve your application, guarantee coverage, alter insurance rates, or bind the insurance company to a contract. Only the insurance carrier can officially approve your policy.

2. Client Responsibilities

  • Accuracy of Information: You are legally responsible for providing true, complete, and updated information. If you omit pre-existing conditions or provide incorrect data, the insurance carrier may deny claims or void the policy entirely.
  • Timely Communication: You must immediately report any life changes that affect your coverage (e.g., changes of address, income, or family size).

3. Privacy & Data Security

  • Data Handling: Brokers must safeguard your Personal Health Information (PHI) and follow federal and state privacy laws.
  • Authorized Usage: They outline exactly how they use your data—stating it will only be shared with insurance carriers and relevant regulatory bodies to process your enrollment.

4. Compensation & Fees

  • Commission Disclosures: Terms often note that the broker is paid by the insurance carrier through commissions.
  • Flat Fees: If a broker charges a consultation or consulting fee (more common in commercial group benefits or certain specialized plans), it will be explicitly outlined in the agreement.

5. Limitation of Liability

  • Advice vs. Guarantees: Brokers limit their liability in TOS agreements. They provide guidance based on the information you give them, but they cannot guarantee the financial stability of an insurance carrier or that a claim will be paid.
  • System/Website Outages: If you use the broker’s digital platform, quoting tool, or text message program, the TOS will typically disclaim liability for technical downtime, service changes by wireless carriers, or system failures.

For more specific information on how brokers operate or to review federally authorized agent/broker functions, check out the Healthcare.gov Glossary or the CMS Agent/Broker Guidelines.

Medicare
supplement Insurance

Medicare Supplement covers things that Original Medicare doesn’t, like copays, deductibles, and coinsurance. It does all this with a steady, predictable, monthly bill you can budget for. And it can’t be cancelled. It will be renewed for as long as you pay your premium
on time and make no material misrepresentation.

You can add a Prescription Drug Plan and a Dental plan to Medicare supplement
insurance to get even more coverage.

You have to get Medicare Supplement Insurance through a private insurer. You’ll have to pay a monthly premium and depending on the plan you may also have copays.

Medicare Supplement Insurance may be a great fit for you if:
• You want more coverage than original Part A and Part B.
• You’d rather pay a monthly, predictable bill than have to pay out of pocket for an unexpected medical bill.
• You want the freedom to see any doctor who accepts Medicare.
• You want to be able to travel abroad with the confidence you will be covered.1
• You want insurance that can’t ever be cancelled.†

†As long as the premiums are paid on time and
there has been no material misrepresentation.

*Medicare supplement plans do NOT include
Medicare Part D prescription coverage.

Medicare Advantage-Part C

Medicare Advantage combines the coverage of Part A and B – Original Medicare, plus extra benefits. Many plans include prescription drug coverage as well as dental and vision care. Some plans have no copays for most labs or tests. And some even have extra benefits like gym memberships and transportation.

Most plans offer $0 premiums, but you do have to pay your Part B premium. Most plans have copays for treatment. And you’ll continue to pay your Part B premium. Medicare Advantage plans have a yearly limit for out-of-pocket costs you have to pay. Once you reach that amount, you won’t pay more for any of your Medicare costs, your plan will cover it. Different plans have different maximums.

Medicare Advantage plans work all by themselves. They replace Medicare Parts A and B and because of this all-in-one approach, you don't pair them with Medicare Supplement policies.

Medicare Prescription Drug Plan-Part D

Part D covers your prescription drugs and is a great addition to pair with Medicare supplement insurance. You probably won’t need it if you get Medicare Advantage since most Medicare Advantage plans include it. Just remember, which prescriptions are covered depends on which plan you get.

You have to get your Prescription Drug Plan through a private insurer. You’ll pay the monthly premium and a yearly deductible. You'll also pay a coinsurance (a percentage of the cost for your prescriptions) or a copay (a flat fee for some of your prescriptions’ cost). It is important to verify that all of your prescriptions are included in the plan formulary.