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Terms of Use

Effective November 1, 2026 · Last updated November 1, 2026

1. These Terms

These Terms of Use (“Terms”) apply when you use providesure.com and other websites that link to these Terms (the “Site”), and the services we provide through them, including quotes, callbacks, scheduled calls, our Medicare guide and the plan comparison tool we offer (together, the “Services”). They’re an agreement between you and Senior Choice Plans LLC, doing business as ProvideSure and ProvideSure Insurance Services (“ProvideSure,” “we,” “us”). Our Privacy Policy explains how we handle personal information.

By using the Services, you agree to these Terms. When you submit a form, we show a link to these Terms and keep a record that you agreed.

2. Who we are

  • ProvideSure is a licensed insurance agency. We’re not an insurance company, and we don’t set prices, decide who’s accepted or pay claims. Insurance companies do.
  • We’re licensed to sell health insurance in all 50 states and the District of Columbia, and life insurance in 12 states, as listed on our Licenses page. In California, we do business as New Wave Insurance Services, license no. 0M48156. Our national producer number is 18756511. We offer coverage only where we’re licensed, and not every plan or product is available in every area.
  • Insurance companies pay us when you buy their plans through us. You don’t pay us for our help.
  • We’re not connected with or endorsed by the U.S. government or the federal Medicare program.
  • About Medicare plans: We do not offer every plan available in your area. Currently we represent 65 organizations which offer 3590 products in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.

3. Who can use the Services

You must be 18 or older and in the United States to use the Services. If you give us information about someone else, such as a family member, you must have their permission.

4. What we provide, and what we can’t promise

  • Quotes are estimates. They’re based on what you tell us and what insurers publish. Insurers set prices, benefits, provider networks and drug coverage, and these can change. Confirm the details with the plan before you enroll.
  • Applying doesn’t guarantee coverage. The insurer decides whether to accept your application and when coverage starts.
  • Keep your current coverage. Don’t cancel any coverage until the new insurer confirms in writing that your new coverage is in effect.
  • Timing. We try to call back promptly and keep scheduled appointments, but we can’t guarantee times, especially during busy enrollment periods.
  • Tools and data. The plan comparison tool and doctor and drug lookups rely on information from insurers and others that can be incomplete or out of date.

Information on the Site is general. It isn’t medical, legal, tax or financial advice. Our agents and representatives can explain insurance options; for medical questions, talk to your doctor, and for tax questions, such as about premium tax credits or health savings accounts, talk to a tax professional. In an emergency, call 911.

6. Your information

Please give us accurate, complete information and tell us if it changes. Our quotes and recommendations depend on what you tell us. Our Privacy Policy explains how we handle your information.

7. Calls, texts and emails

  • Consent happens on our forms. We call or text you using automated technology or an artificial or prerecorded voice only if you agree on one of our forms, which shows the consent wording when you agree. Agreeing isn’t a condition of buying anything. Using the Site alone doesn’t mean you’ve agreed to be called or texted.
  • Text messages. ProvideSure sends texts about your requests, appointments and coverage, and, if you agreed on one of our forms, marketing texts about the coverage you asked about. Message frequency varies. Message and data rates may apply. Reply STOP to stop texts and automated calls, or HELP for help. Carriers aren’t liable for delayed or undelivered messages. Our Mobile Terms explain the program in full.
  • Stopping calls, texts and emails. You can withdraw consent at any time in any reasonable way: tell us during a call, reply STOP to a text, email donotcall@providesure.com or call 1-800-830-7574. We act on requests as soon as we can, and within 10 business days. Our written do-not-call policy is available on request.
  • Recording. We record calls and tell you at the start of each call.
  • Your phone number. If you give up a phone number you gave us, please let us know so we don’t contact the new owner.
  • Electronic notices. You agree that we may give you notices and documents electronically.

8. Automated tools and AI

Some Services use automated tools, including Luna, our AI assistant. Any automated voice that calls you will say it’s automated. Automated answers can be wrong or incomplete; a licensed agent is responsible for any enrollment. How Luna handles your information, including that public AI models are never trained with data that includes protected health information and that our own AI is improved only with de-identified information, is in Section 8 of our Privacy Policy.

9. Third-party tools and websites

  • Links to insurers, Medicare.gov and other sites are for your convenience. We don’t control those sites and aren’t responsible for their content or practices.

10. Acceptable use

When you use the Services, you agree not to:

  • break the law or help anyone else do so;
  • give false information, or apply for coverage for someone without their permission;
  • interfere with the Services or try to get around their security;
  • use bots, scrapers or other automated means to access the Services or collect data;
  • copy, frame, resell or reverse-engineer the Services or our content;
  • send abusive, threatening or unlawful content through our forms; or
  • pretend to be someone else.

We may suspend or end your access to the Services if you break these rules.

11. Our content and trademarks

The Site and its content belong to ProvideSure or our licensors. ProvideSure® and PolicyPair® are registered trademarks of Senior Choice Plans LLC, which also owns VirtualMedicare.com. You may view and print content for your personal use only. If you send us feedback or suggestions, we may use them without any obligation to you.

12. Disclaimers

To the extent the law allows, the Services are provided “as is” and “as available.” We don’t promise that the Services will be uninterrupted or error-free, or that information on them is complete or current. We aren’t responsible for an insurer’s decisions or for coverage an insurer provides. Nothing in these Terms limits our duties as a licensed insurance agency under state or federal law.

13. Limitation of liability

To the extent the law allows, ProvideSure won’t be liable for indirect, incidental, special, consequential or punitive damages arising from the Services or these Terms. Our total liability for all claims relating to the Services or these Terms is limited to $1,000. These limits don’t apply where the law doesn’t allow them.

14. Your responsibility for misuse

If you misuse the Services or break these Terms or the law, and that leads to a claim against ProvideSure by someone else, you’ll be responsible for the resulting losses and reasonable costs, to the extent the law allows.

15. Resolving disputes

Talk to us first. Most concerns can be settled quickly. Before starting arbitration or a lawsuit, either side must send the other a written notice with their name and contact details, a description of the claim, and the relief requested. Send yours to legal@providesure.com or to ProvideSure, Attn: Legal, 7602 Woodland Drive, Suite 130, Indianapolis, IN 46278. We’ll both try in good faith to resolve it within 60 days.

Arbitration. If we can’t resolve it, any dispute about the Services or these Terms will be decided by binding individual arbitration, except as described below. The American Arbitration Association (AAA) will run it under its Consumer Arbitration Rules (adr.org, 1-800-778-7879). The Federal Arbitration Act governs this section. Hearings may be held by video or phone, or in person in the county where you live, unless we both agree otherwise.

Costs. We’ll pay the AAA fees its rules require a business to pay. Each side pays its own lawyers unless the law or the arbitrator awards fees to you. We won’t seek our fees from you unless the arbitrator finds your claim frivolous.

Exceptions. Either of us may bring an individual claim in small claims court, and either of us may ask a court to stop misuse of intellectual property. Nothing here stops you from contacting a government agency. If the law allows a claim for public injunctive relief, that claim will be decided in court after any individual arbitration ends.

No class actions. Each of us may bring claims only individually, not as a plaintiff or class member in a class or representative proceeding, and an arbitrator may not combine more than one person’s claims.

Mass filings. If 25 or more similar arbitration demands are filed by or with help from the same lawyers or organized group, they’ll be administered under the AAA’s mass arbitration rules in batches of up to 50, and the deadline for filing claims will be paused while they’re pending.

Opting out. You can opt out of arbitration within 30 days after you first agree to these Terms by emailing legal@providesure.com or writing to the address above with your name, phone number and a statement that you opt out of arbitration. Opting out doesn’t change anything else in these Terms.

Courts and governing law. Indiana law governs these Terms, and the Federal Arbitration Act governs arbitration. Disputes that aren’t arbitrated will be decided only by the state or federal courts in Marion County, Indiana. To the extent the law allows, you and we each waive a jury trial in those courts.

Time limit. To the extent the law allows, a claim must be brought within one year after it arises.

Changes to this section. If we change this section, you can reject the change by writing to us within 30 days, and the change won’t apply to any dispute already noticed.

16. Changes to these Terms

We may update these Terms. We’ll post the new version with a new date and, for material changes, give notice on the Site. Changes apply from their effective date forward. If you don’t agree with a change, please stop using the Services.

17. General terms

  • Whole agreement. These Terms, our Mobile Terms, our Privacy Policy and any consent you give on our forms are the whole agreement between you and us about the Services.
  • Law comes first. If anything in these Terms conflicts with insurance or Medicare laws or rules that apply to us, those laws and rules control.
  • Severability. If a court or arbitrator finds part of these Terms unenforceable, the rest still applies.
  • No waiver. If we don’t enforce part of these Terms, we haven’t given up the right to enforce it later.
  • Transfers. We may transfer these Terms as part of a merger, sale or reorganization. You may not transfer them.
  • No third-party rights. These Terms don’t give rights to anyone except you and ProvideSure.
  • Events beyond our control. We aren’t responsible for delays or failures caused by events beyond our reasonable control.

18. Contact us

Senior Choice Plans LLC, doing business as ProvideSure (in California, New Wave Insurance Services, license no. 0M48156)
7602 Woodland Drive, Suite 130, Indianapolis, IN 46278
1-800-830-7574 (TTY 711)
legal@providesure.com

Already a member of a plan you enrolled in through us? Call Benefit Coordination at 1-800-965-4290 (TTY 711).