The fine print, in plain English
Terms of Use
Informational use only
Content on this site is general information about insurance topics and our services. It is not insurance, legal, tax, or financial advice, and it does not create a broker-client relationship. Plan details, eligibility, pricing, and enrollment rules vary by carrier, county, and plan year, so always confirm specifics for your situation with us or with the carrier before making decisions.
No guarantee of coverage or outcomes
Descriptions of plans, savings, subsidies, or eligibility are illustrative. We do not guarantee approval, enrollment, coverage of any specific service, or any particular cost or outcome. Final terms are set by the insurance carrier and your policy documents, which control over anything stated on this site.
Requests and communications
Submitting a form, booking a consultation, or contacting us does not obligate you or us. We will use your contact details to respond to your request and support your coverage, as described in our Privacy Policy. You can ask us to stop contacting you at any time.
Intellectual property
The text, graphics, logos, and layout of this site belong to Kelmeg & Associates, Inc. or are used with permission, including marks of the carriers and organizations we work with. You may not copy or reuse site content for commercial purposes without our written permission. Sharing links to our pages is always welcome.
Links to other websites
Our site links to third-party resources such as carrier portals, Connect for Health Colorado, Medicare.gov, and scheduling tools. We do not control those sites and are not responsible for their content, availability, or privacy practices. Review their terms before using them.
Accuracy and availability
We work to keep the site accurate and current, but we do not warrant that content is complete, error-free, or up to date at every moment, or that the site will always be available. Rules we publish, such as enrollment windows, can change without notice on this page.
Limitation of liability
To the fullest extent permitted by Colorado law, Kelmeg & Associates, Inc. is not liable for indirect, incidental, or consequential damages arising from your use of this site or reliance on its content. Our obligations to you as a client are governed by the agreements and disclosures you sign with us, not by these website terms.
Governing law
These terms are governed by the laws of the State of Colorado. Any dispute related to the site will be handled in the state or federal courts located in Colorado.
Contact
Questions about these terms? Call (303) 466-9575 or email chip@kelmeg.com.
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Important information
We are not connected with or endorsed by the U.S. Government or the federal Medicare program.