Website terms of service

Trusty.care is a web site where small business and consumers can research various health insurance choices and health insurance companies. Not withstanding any language to the contrary, nothing contained herein constitutes nor is intended to constitute an offer, inducement, promise, or contract of any kind, or a recommendation to purchase insurance from any particular insurance company at any particular level of benefits or plan design. 

Trusty.care is dedicated to protecting your medical information. We are required by law to maintain the privacy of protected health information and to provide you with this notice of our legal duties and privacy practices with respect to protected health information. Trusty.care is required by law to abide by the terms of this Notice.

Trusty.care provides communication material for Medicare beneficiaries based on publicly available data. Communication as defined by Medicare means activities and use of materials to provide information to current and prospective enrollees. We do not facilitate enrollment in a plan. We do not get paid by Sponsors. Plan information depends on the plan's contract renewal with Medicare and is based on material available but every beneficiary should check first with a professional advisor, insurer, or Medicare itself to get up to date information.

Accuracy of Information

The information, materials and services offered on this Site are for general informational purposes only. We attempt to be as accurate as possible when describing our resources and services on the Site; however, we cannot guarantee that the content available on the Site, including without limitation the descriptions of the resources and services available on the Site, is accurate, complete, reliable, current or error-free.

Trusty encourages you to consider your needs when selecting products and does not make specific product recommendations for individuals. The information should not be construed as having any intent to enroll a beneficiary in a particular product. Our tool compares plans using publicly available data. We are not selling plans nor are we a third-party website as defined by CMS.  Trusty is not connected with or endorsed by the U.S. government or the federal Medicare program.  We are not recommended or endorsed by CMS, Medicare, or the Department of Health & Human Services (DHHS). For a complete list of available plans please contact 1-800- MEDICARE (TTY users should call 1- 877-486-2048), 24 hours a day/7 days a week or consult www.medicare.gov.


Enrollment in any Plan depends on the Medicare contract with the plan sponsor. Trusty has no control over plan pricing. For coverage and costs of Original Medicare look in your current “Medicare & You” handbook. The benefit information provided on Trusty does not cover or list every limitation or exclusion. At Trusty we are answering questions and discussing the merits of a Plan or Plans, including cost sharing and benefits information based on current information available from the government for purely educational purposes.

Trusty was created to bring services to age-ins, into Medicare. (Age-ins An individual who is aging into Medicare eligibility, typically the seven month period consisting of three months prior to the individual’s birth month, the individual’s birth month, and three months following the individual’s birth month. )

Understanding the Benefits Review the full list of benefits found in the Evidence of Coverage (EOC), especially for those services that you routinely see a doctor. Visit the plan sponsor’s website or call them to view a copy of the EOC. Review the provider directory (or ask your doctor) to make sure the doctors you see now are in the network. If they are not listed, it means you will likely have to select a new doctor. Review the pharmacy directory to make sure the pharmacy you use for any prescription medicines is in the network. If the pharmacy is not listed, you will likely have to select a new pharmacy for your prescriptions.

In addition to your monthly plan premium, you must continue to pay your Medicare Part B premium. This premium is normally taken out of your Social Security check each month. Benefits, premiums and/or copayments/co-insurance may change on January 1, 2019.

Trusty.care is not a CMS Navigator grantee or a Federally-certified Navigator program.

Representations and Warranties; Limitation of Liability

THE SITE IS PRESENTED “AS IS.” WE MAKE NO REPRESENTATIONS OR WARRANTIES OF ANY KIND WHATSOEVER, EXPRESS OR IMPLIED, IN CONNECTION WITH THESE TERMS AND CONDITIONS OR THE SITE, INCLUDING WITHOUT LIMITATION WARRANTIES OF MERCHANTABILITY, NON-INFRINGEMENT OR FITNESS FOR A PARTICULAR PURPOSE OR WARRANTIES THAT THE CONTENT AVAILABLE ON THE SITE, INCLUDING WITHOUT LIMITATION DESCRIPTIONS OF THE RESOURCES AND SERVICES AVAILABLE ON THE SITE, IS ACCURATE, COMPLETE, RELIABLE, CURRENT OR ERROR-FREE. FURTHERMORE, WE WILL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, SPECIAL, INCIDENTAL OR CONSEQUENTIAL DAMAGES OF ANY KIND (INCLUDING LOST PROFITS) RELATED TO THE SITE REGARDLESS OF THE FORM OF ACTION WHETHER IN CONTRACT, TORT (INCLUDING NEGLIGENCE) OR OTHERWISE, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

Indemnification

You agree to defend, indemnify and hold us harmless for any loss, damages or costs, including reasonable attorneys’ fees, resulting from any third-party claim, action or demand arising out of or relating to your use of the Site.

Governing Law and Jurisdiction

These Terms are governed by the laws of the State of New York. You hereby irrevocably consent to the exclusive personal jurisdiction of and venue in the state and federal courts of the State of New York located in the County of New York with respect to any disputes arising out of or relating to your use of the Site.

General Terms

You acknowledge and agree that this document, together with our Privacy Policy, constitute the complete and exclusive agreement between us concerning your use of the Site. Nothing contained in this document may be construed as creating any agency, partnership or other form of joint enterprise between us. We reserve the right, in our sole discretion, to change these Terms at any time by posting the changes on the Site. Any changes are effective thirty (30) days after the posting of such changes on the Site. Your continued use of the Site constitutes your agreement to all such terms and conditions. Our failure to require your performance of any provision hereof will not affect the full right to require such performance at any time thereafter, nor will our waiver of a breach of any provision hereof be taken or held to be a waiver of the provision itself. In the event that any provision of this document is unenforceable or invalid under any applicable law or held to be so by any applicable court decision, the remainder of this document will be construed as not containing the particular invalid or unenforceable provision.


CMS Eligibility and Enrollment Guidance: https://www.cms.gov/Medicare/Eligibility-andEnrollment/MedicareMangCareEligEnrol/index.html

  • CMS Medicare Online Enrollment Center https://www.medicare.gov

  • CMS Plan Finder https://www.medicare.gov or 1-877-486-2048) https://www.medicare.gov/find-a-plan/questions/home.aspx

  • CMS Star Ratings https://www.medicare.gov https://www.medicare.gov/find-a-plan/questions/home.aspx HIPAA Privacy Rule and Disclosure Requirements https://www.hhs.gov/ocr/privacy/

  • HIPAA Privacy Rule and Security Requirements https://www.hhs.gov/ocr/privacy/hipaa/understanding/coveredentities/privacyguidance.html

  • Internal Revenue Service (IRS) Tax publications https://www.irs.gov or 1-800-TAX-FORM (1-800-829-3676)

  • Medicare.gov Complaint Website https://www.medicare.gov/MedicareComplaintForm/home.aspx

  • Medicare Managed Care Manual https://www.cms.gov/Regulations-and-Guidance/Guidance/Manuals/Internet-Only-ManualsIOMs-Items/CMS019326.html?DLPage=2&DLEntries=10&DLSort=0&DLSortDir=ascending Medicare

  • Part D Model Materials https://www.cms.gov/Medicare/Prescription-Drug-Coverage/PrescriptionDrugCovContra/PartD-

  • Model-Marketing-Materials.html Medicare Prescription Drug Benefit Manual https://www.cms.gov/Medicare/Prescription-DrugCoverage/PrescriptionDrugCovContra/PartDManuals.html

 

 Tips & Disclaimers

  • The Medicare Advantage and Medicare Part D prescription drug plan data on our site comes directly from Medicare and is subject to change.

  • Medicare has neither reviewed nor endorsed the information on our site.

  • We provide our Trusty.care site for educational purposes and strive to present unbiased and accurate information. However, Trusty.care is not intended as a substitute for your lawyer, doctor, healthcare provider, financial advisor, or pharmacist. For more information on your Medicare coverage, please be sure to seek legal, medical, pharmaceutical, or financial advice from a licensed professional or telephone Medicare at 1-800-633-4227.

  • We are an independent education, research, and technology company. We are not affiliated with any Medicare plan, plan carrier, healthcare provider, or insurance company. We are not compensated for Medicare plan enrollments. We do not sell leads or share your personal information.

  • Benefits, formulary, pharmacy network, provider network, premium and/or co-payments/co-insurance may change on January 1 of each year.

  • The benefit information provided is a brief summary, not a complete description of benefits. For more information contact the plan.

  • Limitations, copayments, and restrictions may apply.

  • We make every effort to show all available Medicare Part D or Medicare Advantage plans in your service area. However, since our data is provided by Medicare, it is possible that this may not be a complete listing of plans available in your service area. For a complete listing please contact 1-800-MEDICARE (TTY users should call 1-877-486-2048), 24 hours a day/7 days a week or consult www.medicare.gov.

  • When enrolling in a Medicare Advantage plan, you must continue to pay your Medicare Part B premium.

  • Medicare beneficiaries with higher incomes may be required to pay both a Medicare Part B and Medicare Part D Income Related Monthly Adjustment Amount (IRMAA). 

  • Medicare Advantage plans that include prescription drug coverage (MAPDs) are considered Medicare Part D plans and members with higher incomes may be subject to the Medicare Part D Income Related Monthly Adjustment Amount (IRMAA), just as members in stand-alone Part D plans. In certain situations, you can appeal.

  • You must be enrolled in both Medicare Part A and Part B to enroll in a Medicare Advantage plan. Members may enroll in a Medicare Advantage plan only during specific times of the year. Contact the Medicare plan for more information.

  • If you are enrolled in a Medicare plan with Part D prescription drug coverage, you may be eligible for financial Extra Help to assist with the payment of your prescription drug premiums and drug purchases. To see if you qualify for Extra Help, call: 1-800-MEDICARE (1-800-633-4227). TTY users should call 1-877-486-2048, 24 hours a day/ 7 days a week or consult www.medicare.gov; the Social Security Office at 1-800-772-1213 between 7 a.m. and 7 p.m., Monday through Friday. TTY users should call, 1-800-325-0778; or your state Medicaid Office.

  • Medicare evaluates plans based on a 5-Star rating system. Star Ratings are calculated each year and may change from one year to the next.

  • A Medicare Advantage Private Fee-for-Service plan (PFFS) is not a Medicare supplement plan. Providers who do not contract with the plan are not required to see you except in an emergency.

  • Disclaimer for Institutional Special Needs Plan (SNP): This plan is available to anyone with Medicare who meets the Skilled Nursing Facility (SNF) level of care and resides in a nursing home.

  • Disclaimer for Dual Eligible (Medicare/Medicaid) Special Needs Plan (SNP): This plan is available to anyone who has both Medical Assistance from the State and Medicare. Premiums, co-pays, co-insurance, and deductibles may vary based on the level of Extra Help you receive. Please contact the plan for further details.

  • Disclaimer for Chronic Condition Special Needs Plan (SNP): This plan is available to anyone with Medicare who has been diagnosed with the plan specific Chronic Condition.

  • Medicare MSA Plans combine a high deductible Medicare Advantage Plan and a trust or custodial savings account (as defined and/or approved by the IRS). The plan deposits money from Medicare into the account. You can use this money to pay for your health care costs, but only Medicare-covered expenses count toward your deductible. The amount deposited is usually less than your deductible amount, so you generally have to pay out-of-pocket before your coverage begins.

  • Medicare MSA Plans do not cover prescription drugs. If you join a Medicare MSA Plan, you can also join any separate (stand-alone) Medicare Part D prescription drug plan

  • There are additional restrictions to join an MSA plan, and enrollment is generally for a full calendar year unless you meet certain exceptions. Those who disenroll during the calendar year will owe a portion of the account deposit back to the plan. Contact the plan provider for additional information.

  • Medicare beneficiaries may enroll through the CMS Medicare Online Enrollment Center located at www.medicare.gov.

  • Medicare beneficiaries can file a complaint with the Centers for Medicare & Medicaid Services by calling 1-800-MEDICARE 24 hours a day/7 days or using the medicare.gov site. Beneficiaries can appoint a representative by submitting CMS Form-1696