Multi Benefits 2

CALL TOLL-FREE M-F 8AM-8PM EST
(TTY 711)

2025 Medicare
Advantage Plans

Premiums as low as $0/mo1

Speak with a licensed insurance agent
1-844-914-0102 (TTY 711)

Mon-Fri 8am-8pm EST

1Availability of benefits varies across plans, as they are subject to differences among carriers and locations. Limitations and exclusions may apply.

How You Can Benefit With a Medicare Advantage Plan

Medicare Advantage Plans combine Medicare Part A (hospital) and Part B (medical) insurance into one easy plan. And they usually come with additional benefits that aren't usually covered. These extra benefits can include dental, hearing, vision and prescription drug coverage.1

$0 monthly plan premiums available depending on your location1

Prescription drug coverage is included in most plans.1

Additional benefits may include grocery allowance, vision, fitness, hearing and dental.1

Extra Medicare Advantage Plan Benefits

Each Medicare Advantage plan is different and may offer a different combination of benefits. This is all dependent on where you live. Other Medicare Advantage plan benefits may include:1

Appointment transportation 1

In-home support services 1

Meal benefits 1

Telehealth 1

Over-the-counter benefits 1

Acupuncture 1

Want Help Choosing Your Plan?

Give us a call and we'll help you find the right Medicare insurance plan that best fits your lifestyle.

Speak with a licensed insurance agent
1-844-914-0102 (TTY 711)

Mon-Fri 8am-8pm EST

(TTY 711)

Mon-Fri 8am-8pm EST
Privacy Policy
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Terms and Conditions
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Contact

HealthPolicyZone.com provides access to Medicare enrollment opportunities. Plans in your area may be provided by Aetna, Anthem, Cigna, Elevance Health, Humana, UnitedHealthcare®, Wellcare. Not all plans offer all of these benefits. Benefits may vary by carrier and location. Limitations and exclusions may apply.

Allowance amounts cannot be combined with other benefit allowances. Limitations and restrictions may apply.

This is an advertisement. HealthPolicyZone.com is owned and operated by Innovation Direct Group, LLC, a non-government entity. This site is not maintained by, affiliated with, endorsed by, or is acting on behalf of the U.S. Government or any of its agencies or programs.

Participating agencies represent Medicare Advantage [HMO, PPO, PFFS] and/or Prescription Drug Plan organizations that are contracted with Medicare and with applicable state Medicaid agencies. We do not offer every plan available in your area. Currently we represent [7] organizations which offer [4] products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.

Plans are insured or covered by a Medicare Advantage organization with a Medicare contract and/or a Medicare-approved Part D sponsor. Enrollment in the plan depends on the plan’s contract renewal with Medicare.

Enrollment in a plan may be limited to certain times of the year unless you qualify for a special [election/enrollment] period or you are in your Medicare Initial Election Period.

SMID: MULTIPLAN_IDGHPZM1_C

CALIFORNIA

PRIVACY NOTICE FOR CALIFORNIA RESIDENTS:

This Privacy Notice for California Residents (“Notice”) supplements the information contained in the other sections of this Policy and only applies to consumer users of our Sites that are residents of the State of California (“Consumer(s)” and in this Section “you” and “your”). We have adopted the terms of this Notice to comply with the California Consumer Privacy Act of 2018 (“CCPA”) and its related regulations. Terms used in this Notice have the same meanings as defined in the CCPA.

Collection of Personal Information:

We collect Personal Information that identifies, relates to, describes, references, is capable of being associated with, or could reasonably be linked, directly or indirectly, with an individual Consumer, household, or device. We have collected the following categories of Personal Information from Consumers within the last twelve months:

The following examples are taken directly from the CCPA, where we indicate that a category is collected, we collect at least one of the example items from each category. We obtain the categories of Personal Information from the following categories of sources:

Directly and indirectly from activity on our sites e.g., from customer submissions through our website and customer usage details collected automatically.

Directly from consumers accessing our sites and utilizing our services e.g., from phone calls made to us, emails sent to us, and form data submitted to us from all IDG sites.

From third parties e.g., Google and Facebook.

Sharing of Personal Information:

Personal Information we collect may be shared with service providers who provide certain services on our behalf, including but not limited to identity verification, fraud prevention, business intelligence, customer relationship management, bill collection, payment processing, marketing, hosting, and other common technology services. Our contracts with these service providers dictate that they only use Consumer information in connection with the services they perform for us, and you consent to our sharing of information with these parties by using our Sites subject to this Policy.

In the preceding twelve months we have disclosed the following categories of Personal Information to our third-party service providers, partners and/or contractors for a business purpose:

Identifiers

California Consumer commercial information

California Consumer internet or another similar network activity

California Consumer personal information

California Consumer geolocation data

Inferences drawn from other personal information

We disclose Consumer Personal Information for our business purposes to the following categories of third parties:

Our Affiliates – sharing information with companies under common control with us.

Service Providers – sharing information with an email marketing service provider.

Third parties – to disclose your Personal Information in connection with products or services we provide to you (e.g., allowing a customer to contact home remodeling vendors in their local area).

Exercising your rights to access certain information, data portability, and deletion:

The CCPA provides Consumers with specific rights regarding their Personal Information. This section describes your CCPA rights and explains how to exercise those rights via a Verifiable Consumer Request.

Verifiable Consumer Request:

Means a request is submitted to the contact information provided below.

Describes your request with sufficient detail to properly identify, evaluate, and responds to your request.

Is made by you or your authorized representative on your behalf, or by you on behalf of your minor child.

Provides adequate information for us to reasonably verify that you are the person about whom we collected Personal Information or an authorized representative of such person; and is made only twice within a twelve-month period.

We are unable to respond to requests when we cannot verify your identity or authority to make the request. Personal Information provided in a Verifiable Consumer Request will only be used to verify the requestor’s identity or authority to make the request and to comply with the request. You are not required to create an account with us to submit a Verifiable Consumer Request. We can only honor and respond to Verifiable Consumer Requests related to data that we house directly in our systems. Personal Information shared with or sold to Partners, Contractors, or other third parties is subject to their Verifiable Consumer Request process and such request should be submitted directly to those Partners, Contractors, and third parties.

Access and Data Portability:

Upon receipt of a Verifiable Consumer Request, we will disclose the following information

The categories of Personal Information we collected about you.

The categories of sources of the Personal Information we collected about you.

The categories of third parties with whom we shared your Personal Information.

Our business or commercial purpose for collecting or selling your Personal Information.

The specific pieces of Personal Information we collected about you (also referred to as a Data Portability Request).

If we sold or disclosed your personal information for a business purpose, two separate lists disclosing:

Sales, identifying the categories of Personal Information that each category of third party purchased.

Disclosures for a business purpose, identifying the categories of Personal Information that each category of third party received.

Personal Information is retained by us for various time periods, we may not be able to fully respond to what might be relevant for the twelve months prior to receipt of the Verifiable Consumer Request.

California Civil Code Section 1798.83 entitles Consumers to request information concerning whether a business has disclosed certain information about you to any third parties for the third parties’ direct marketing purposes. Consumers who wish to request further information in compliance with this law or have questions or concerns about our privacy practices and policies may contact us using the Contact Information below.

Deletion Requests: The CCPA provides Consumers with the right to request that we delete any Personal Information that we collected about you are subject to certain exceptions. Upon receipt and confirmation of your Verifiable Consumer Request we will delete your Personal Information from our records, unless an exception applies, and direct our service providers to delete your Personal Information from their records.

Personal Information Sales Opt-Out and Opt-In Rights: The CCPA provides Consumers the right to opt-out of the sale of Personal Information about their or their household, for example their name, email address or postal code, and other personally identifying information. You need not be physically present in California to fully exercise this right or if you have a current California residence. This right is subject to certain exemptions (e.g., it does not apply to information that we share with certain third-party service providers that are performing business functions for us or on our behalf).

To exercise the right to opt-out, you, or your authorized representative, may submit an opt-out request by emailing or calling us at the contact information provided below. You are not required to create an account with us to submit an opt-out request. Personal Information provided in an opt-out request will only be used to verify the requestor’s identity or authority to make the request and to comply with the request. Following the fulfillment of you opt-out request, we will wait at least twelve (12) months before asking you to reauthorize Personal Information sales. However, you may opt-in to Personal Information sales at any time, by contacting us using the email address in the Contact Information section.

Non-Discrimination: We will not discriminate against you for exercising any of your CCPA rights. Unless permitted by the CCPA: we will not deny you goods or services, charge you different prices or rates for goods or services, including through granting discounts or other benefits, or imposing penalties, provide you a different level or quality of good or services or suggest that you may receive a different price or rate for goods or services or a different level or quality of goods or services.

TERMS & CONDITIONS

These Terms & Conditions govern the User’s use of the Innovation Direct Group website, platform, and services. By using the healthpolicyzone.com website or any service offered by the Innovation Direct Group, you’re agreeing to be bound to the “Terms & Conditions” as outlined below.

Intellectual Property Rights:

Innovation Direct Group and its licensors own all the intellectual property materials and rights contained in this website. This includes blog posts, eBooks, software, applications, add-ons, plugins, art, graphics, images, photos, videos, webinars, and recordings. This applies to content viewed or listened on www.innovationdirectgroup.com, or Innovation Direct Group content accessed via email. Note that you surrender all rights to your content once it becomes a part of our website.

Restrictions:

All user are specifically restricted from all the following:

Publishing any of the content found on the Innovation Direct Group website in any other media.

Selling, sublicensing, or commercializing any Innovation Direct Group website content.

Publicly showing any Innovation Direct Group website material.

Using this website in any way that may be damaging to the Innovation Direct Group website.

Using this website in a way that impacts other users’ access to the Innovation Direct Group website.

Using this website contrary to applicable regulations and laws, or in any way that will cause harm to the Innovation Direct Group website, or to any business entity or person.

Participating in any data harvesting, data mining, data extracting, or any other similar actvityin relation to the Innovation Direct Group website.

Using the Innovation Direct Group website to engage in any advertising or marketing.

No Warranties:

The Innovation Direct Group website is provided ‘as is’ with all of its faults, and the Innovation Direct Group expresses no representations or warranties, of any kind, in relation to the website or the materials on this website. Nothing on the Innovation Direct Group website should be interpreted as advising you.

Limitation of Liability:

In no event shall Innovation Direct Group, nor any of its employees, be held liable for anything arising out of or in any way connected with your use of this website.

Indemnification:

By using this website, you hereby indemnify, to the fullest extent, the Innovation Direct Group from and against any and/or all costs, demands, liabilities, causes of action, expenses and damages arising in any way related to your breach of any of these provisions of these Terms and Conditions.

Severability:

If any provision of these Terms and Conditions is found to be invalid under any applicable law or unenforceable, such provisions will be removed without affecting the remaining provisions herein, leaving the rest to remain in full force and effect.

Variation of Terms:

Innovation Direct Group is permitted to revise these Terms & Conditions at any time and with any frequency. By using this website, you’re accepting the latest version of the Terms and Conditions. Users should expect to review the Terms and Conditions on a regular basis.

Links to Other Websites:

The Innovation Direct Group website includes links to third party websites Innovation Direct Group is not responsible for the content on third-party websites. Users that choose to access these third-party websites do so at their own risk. We do not necessarily recommend, suggest, endorse, or otherwise make any overture or prompt for action regarding any services or products offered on third-party websites.

Assignment:

Innovation Direct Group is allowed to transfer, assign, and subcontract its rights and/or obligations under these Terms and Conditions without any notification. However, users are not allowed to transfer, assign, or subcontract any of their rights and/or obligations under these Terms and Conditions.

Governing Law and Jurisdiction:

These Terms and Conditions are governed by and interpreted in accordance with the laws of the state of Florida of the United States, and you submit to the non-exclusive jurisdiction of the federal and state courts located in the United States for the resolution of any disputes.

PRIVACY

This Privacy Policy (“Policy”) of IDG (“Website,” “us,” “our,” or “we”), which is located at healthpolicyzone.com is intended to help you understand our privacy practices and how we collect, use, disclose and process your personal information. We also describe your rights and choices with respect to how we process your personal information. This Policy applies to healthpolicyzone.com, and all other websites and domains on which a link to this Policy appears (including all subdomains, collectively the “Site(s) or site(s) “. This Policy does not apply to any other websites owned or operated by IDG that do not link to this Policy, terms for which are included with those sites individually. We have a “data controller” or direct relationship with all individuals accessing the Sites, submitting personal information via the Sites for any reason, or calling any phone number posted on our Sites.

ACCEPTANCE

Any entity accessing the Sites (“you”) represents and warrants that you accept the data practices and terms described in this Policy. If you do not agree with this Policy, please discontinue your use of the Sites immediately.

CHANGES TO THIS POLICY

We may revise this Policy from time to time and without prior notice to you. Except as otherwise noted in this Policy, such changes may apply to any personal information we already hold about you or personal information collected after the Policy is modified. Please visit this page regularly so that you are aware of our latest updates. Continuing to access or use this Site after any changes become effective indicates your acceptance of the revised Policy.

In addition, we may provide you with “just-in-time” disclosures or additional information about the data processing practices of specific parts of our Site. Such notices may be a supplement this Policy or provide you with additional choices about how we process your personal information.

THIRD PARTIES

This Policy does not apply to information processed by third parties, for example, when you visit a thirdparty website or interact with third party services including those you may access by following a link from the Sites or those with whom we may share information as set forth in this Policy. Please review any third parties’ privacy policies before disclosing information to them.

When you call a number posted on the Sites or otherwise submit an inquiry for an estimate, quote or service, we share this information with our network of Partners (each “Partner”), who pay us to provide this service, to enable them to match you with contractors (“Contractors” or each “Contractor”) who can provide you with estimates and other information related to your home improvement inquiry. Our terms of service require that Partners utilize Personal Data in accordance with all applicable local, state, and federal laws, rules, and regulations.

Note that any Personal Data transferred to our Partners or Contractors as part of our services is no longer under our control. Each Partner and Contractor has its own Privacy Policy, and you should contact those Partners and Contractors directly regarding their use of your Personal Data.

PERSONAL INFORMATION:

Contact Data: Personal Data about you used to contact you. For example: your name, company name, title, email address, physical address, phone number, and/or username. “Performance & Log Data”: Information created by your use of our Sites. For example: your IP address, browser type, operating system, command line information, diagnostic information related to the Site (e.g., crash activity reports), the referring webpage, pages visited, date, your geo-location, your cell carrier, your device and application IDs and search terms. Note that Depending on the law of your country of residence, your IP address may legally be considered personally identifiable information.

Cookies:A cookie is a small amount of data generated by a website and saved by your web browser. Its purpose is to remember information about you, like a preference file created by a software application. In some cases, Cookies and similar automated data collection technologies may be used to collect personal information, or information that becomes personal information if we combine it with other information.

Other Data:Any other information that an individual provides to us (e.g., survey responses, blog comments, or other communication submitted to us).

Personal Data:Is any information about an identified or identifiable individual and any performance, log and cookie information that may be linked with an identifiable individual. We collect and process the following types of information. Note: Specific Personal Data elements listed in example are provided for example only and may change. We may create anonymous records from Personal Data for certain business purposes of ours, of our Partners and of our Affiliates as defined below. Any information that is anonymized or aggregated is no longer Personal Data and we may indefinitely use it, share it and retain it for any reason.

Web Pixels:Is a small HTML code snippet which is loaded when a user or consumer visits a website or opens an email. It is used for tracing user behavior on our Sites such as referring sites and form submissions. Web Pixels could be used to collect personal information or information that becomes Personal Data if we combine it with other information.

COLLECTION AND PROCESSING:

We collect your Personal Data through our Sites and over the phone when you call an inquiry number listed on our Sites. Our Sites are public, any information that is disclosed on our Sites may appear on search engines, or other publicly available platforms and may be “crawled,” searched and used by unaffiliated third parties. Please do not post any information that you do not want to reveal publicly and please do not call us from any phone number you do not give us permission to utilize and share as provided below.

Additional Processing: If we process Personal Data in connection with your use of the Sites in a way not described in this Policy, this Policy will still apply generally (e.g., with respect to Your Rights and Choices) unless otherwise stated when you provide it.

Customer Service:When you contact us through the Sites, including submitting a “contact us” or other online inquiry form, subscribing to a newsletter or blog, downloading a whitepaper or other informational document, entering a contest, registering for a demo or webinar, completing an online survey or any other means, we may record your Contact Data in our customer relationship management system and use your Personal Data to respond to you, or provide this information to a Partner so that the Partner or Contractor may respond to you. If you provide a cell phone number to us, you are explicitly granting us and our Partners and Contractors permission to send text messages to that number to respond to your request and to contact you at that number via an auto-dialer or with a recorded message, which we may do at our discretion.

Marketing:We may use your Personal Data to keep you aware of our products and services and send you promotional material about IDG and participating Partners and as permitted by applicable law, on behalf of IDG, affiliates, subsidiaries, joint ventures, or other companies under common control with us (collectively, “Affiliates”) and partner companies. Promotional materials may include marketing communications, online surveys, notifications regarding our events and those of our Partners, Contractors, Affiliates and other third-party partners. If you provide a cell phone number to us, you are explicitly granting us and our Partners and Contractors permission to send text messages, record messages, and/or use an auto-dialer to contact that number for marketing and promotional purposes, which we or our Partners and Contractors may do at our decision. You may opt-out of our marketing communications at any time.

Quote Requests:When you submit a request for an estimate, quote or other information through our Sites, we may use your Personal Data to match your request with a Partner or Contractor in our network. Our “Partner Network” is a collection of Partners that have networks of local Contractors to provide quality home services.

Security:We process your Personal Data to enhance the security of our Sites and to combat spam, malware or other security risks. This may include monitoring your activities on our Sites. Without processing your Personal Data for such purposes, we may not be able to ensure the security of our Sites.

SHARING

Information we collect may be shared with a variety of parties depending upon the purpose for and context in which that information was provided. In all cases where we share Personal Data with third party service providers acting on our behalf, we will use a “minimum necessary” standard to disclose only that information required for satisfying the purpose of or performing the service for which the information is disclosed. We generally transfer Personal Data according to the following:

Affiliates:In order to consolidate certain business operations, develop products/services that meet the needs of our customers, as well as informs our customers about relevant products and services, we may share your Personal Data with current or future Affiliates. You agree to our sharing some or all your information and Personal Data with our Affiliates.

Business Transactions:Your Personal Data may be processed in the event of a business transaction, such as a merger, acquisition, liquidation, or sale of all or a portion of our assets. For example, Personal Data may be disclosed (subject to confidentiality restrictions) during the due diligence process for a potential transaction or may part of the assets transferred, in such case the acquiring company will possess any rights granted to us under this Policy.

Consent:We will share your Personal Data in accordance with your consent for us to do so. By submitting any Personal Data via our Sites or by calling a number published or entering information on our Sites you are providing consent for us to share your Personal Data with Partners in our Partner Network, and for those Partners to share your Personal Data with Contractors.

Legal Disclosures:In limited circumstances, we may without notice to you or your consent, access, and disclose your Personal Data any communications sent or received by you, and any other information that we may have about you to the extent we believe such disclosure is legally required, to prevent or respond to a crime, to investigate violations of our Terms of Use, or in the vital interests of us or any person. Note, these disclosures may be made to governments that do not ensure the same degree of protection of your Personal Data as your home jurisdiction. We may, in our sole discretion (but without any obligation), object to the disclosure of your Personal Data to such parties.

Partner NetworkWhen you submit a request for a quote, we may share your Personal Data with Partners in our Partner Network who pay us to provide this service. Our Partners may use your Personal Data to connect you with a Contractor to assist you with your home services project and may share your Personal Data with such Contractor in order to contact you to offer its services. If you provide a cell phone number to us you are explicitly granting us, and any Partner or Contractor with whom you are matched by our service, permission to call and send text messages to that number to respond to your request and to contact you at that number via phone call, text message, or an auto-dialer or recorded message (we or our Partners or Contractors may do at our discretion).

Note that Partners and Contractors are third parties. Any Personal Data transferred to a Partner or Contractor as part of our services, is no longer under our control and is subject to the privacy policies of such Partner or Contractor.

Service Providers:In connection with our general business operations, to enable certain features, and in connection with our other legitimate business interests, we may share your Personal Data with service providers or sub-processors who provide certain services or process data on our behalf. Our contracts with these service providers dictate that they only use your information in connection with the services they perform for us, and you consent to our sharing of information with these parties by using our Sites subject to this Policy.

Third-Party Partners:When you complete an online inquiry form to which you were referred by a thirdparty partner, any information collected through an online inquiry form hosted on the Sites may be shared with the referring third party partner. We may share your Personal Data with third parties for marketing or adverting purposes, as permitted by law. Third party partners may use your Personal Data for their own purposes subject to their own privacy policies.

RETENTION

We retain Personal Data for so long as necessary to service the purpose(s) for which your Personal Data was processed and for a reasonable time thereafter, or as necessary to comply with our legal obligations, to resolve disputes or enforce our agreements. While retention requirements can vary by jurisdiction, we generally apply the retention periods noted below:

Cookie Data:We retain any information collected via cookies, clear gifs, flash cookies, webpage counters and other technical or analytics tools up to one year from the expiry of the cookie or date of collection. If you do not want information collected using cookies, you can manage/deny cookies (and certain technologies) using your browser’s settings menu. Cookies owned by third parties may have varying retention periods.

Call Recording:As required by applicable law, we will inform you that a call will be recorded before doing so. Any recorded telephone calls with you may be retained for a period of up to six years. Note that any Personal Data transferred to our Partners or Contractors as part of our services is no longer under our control. While our terms of service require that Partners and Contractors utilize Personal Data in accordance with all applicable local, state and federal laws, rules and regulations, each Partner and Contractor has its own data retention policy. You should contact those Partners or Contractors directly regarding their retention of your Personal Data.

Marketing:We house information used for marketing purposes indefinitely until you unsubscribe. When you unsubscribe from marketing communications, we add your contact information to our suppression list to ensure we respect your unsubscribe request.

Site Activity:We may store any information about your activity on our Sites or any Other Data created, posted or shared by you on our Sites for as long as we deem it necessary or until you provide specific instructions to delete it, which may be indefinitely, or where a valid business reason exists for such storage such as maintaining the integrity of our systems and logs or for the establishment or defense of audit, legal claims, and or crime prevention purposes.

Telemarketing:We have adopted and adhere to policies that comply with applicable Federal Trade Commission, Federal Communications Commission and state laws/regulations. If you do not want to receive non-informational calls from us, you can ask us to place your telephone number(s) on our internal Do Not Call List. You can submit this request by emailing us at the contact information provided below. Your request must include your telephone number and name. If you have multiple telephone numbers, please be sure to include all numbers that you would like included on our Do Not Call List in your request. Any phone call, e-mail or any other form of communication used to confirm receipt of your Do Not Call request will not be deemed to have violated this Policy. Your request will be honored within thirty (30) days of the request in compliance with federal and state laws. Note that any phone information transferred to our Partners or Contractors as part of our services is no longer under our control. While our terms of service require that our Partners and Contractors utilize this contact information in accordance with all applicable local, state, and federal laws, rules, and regulations including TCPA. Each Partner and Contractor has its own Do Not Call List and you must contact each Partner and Contractor individually to be placed on their internal Do Not Call Lists.