Terms of Service

Introduction

Welcome to Heartland Coverage ("Company," "we," "our" or "us"). These Terms of Service ("Terms") govern your use of our website, digital platforms, and all insurance agency services relating to Health Insurance Marketplace coverage (collectively, the "Services").

By accessing our website, requesting a subsidy check, or asking us to help you enroll, you acknowledge that you have read, understood and agree to be bound by these Terms. If you do not agree, you must discontinue use of the Services.

Company Overview

Firefly Health, Inc, located at 101 Walnut St., Watertown, MA 02472, is a licensed insurance agency helping households in Kansas, Missouri, Nebraska, Iowa compare and enroll in Health Insurance Marketplace coverage.

We are licensed to transact insurance business only in Kansas, Missouri, Nebraska, Iowa. Nothing on this site is an offer to transact business in any other state. Licensed insurance producer · License numbers on request.

What We Are Not

We are not the Health Insurance Marketplace, not HealthCare.gov, and not connected with or endorsed by the United States government.

You can enroll in Marketplace coverage yourself, free of charge, without using an agent, at HealthCare.gov or on 1-800-318-2596. Free local help is available from Navigators at localhelp.healthcare.gov. We publish this because you should not have to search for it.

Nothing on this site or provided in the course of our work is legal, tax or medical advice.

Acceptance of Service Terms

By asking us to check your eligibility, compare plans, or submit an application on your behalf, you enter into a service relationship governed by these Terms.

Only the plan documents issued by an insurance carrier state what is actually covered. Where these Terms and a carrier's plan documents differ about coverage, the plan documents govern.

Client Responsibilities & Eligibility

You affirm that you are at least 18 years old, that you have the legal authority to arrange coverage for yourself or for the members of your household you are enrolling, and that the information you provide about income, household size and existing coverage is truthful, complete and accurate.

Eligibility for a premium tax credit or for cost-sharing reductions is determined by the Marketplace, not by us. Any figure we discuss with you is an estimate based on what you tell us. If your circumstances or your income differ from that estimate, the outcome will differ too — and an estimate that was too low at enrollment is reconciled at tax time.

You agree that Heartland Coverage is not responsible for a denial, a reconciliation, or a penalty resulting from information that was inaccurate, incomplete or not updated when your circumstances changed.

Please do not put a Social Security number into a form on this website. Neither form asks for one, and both reject text that looks like one.

Scope of Services

What we do is explain how Marketplace coverage works, estimate what you are likely to qualify for, compare the plans available in your county against your doctors and prescriptions, submit an application when you ask us to, and help afterwards when something goes wrong.

Nothing here is a quote and nothing here is an offer of coverage. Eligibility rules, plan availability, networks and pricing change annually and vary by county, household and state. We do not represent every carrier or every plan available in your area.

Scheduling & Appointments

You agree to provide timely responses and documentation. Open Enrollment runs 1 November – 15 January, and a Special Enrollment Period opened by a life change closes on a fixed date whether or not the paperwork arrived.

Heartland Coverage is not liable for a missed enrollment deadline caused by documents or decisions that did not reach us in time. If a deadline is close, telephone (855) 949-0897 rather than relying on a web form.

How We Are Paid

We are compensated by insurance carriers when we place coverage. Our help costs you nothing, and the premium you pay is the same whether you enroll through us or on your own — Marketplace premiums are filed with regulators and do not carry an agent mark-up.

Cancellations, Rescheduling & Ending the Relationship

Ending the relationship. There is no contract with us and nothing to cancel. You may work with a different agent, or deal with the Marketplace directly, at any time and without telling us why.

Refunds. Not applicable: you pay us nothing.

Canceling coverage is a separate matter, handled through the Marketplace or your carrier rather than through us, and it can affect your eligibility later in the year. Ask before you do it.

Privacy & Data Protection

We adhere to strict confidentiality standards.We do not sell your personal information to third parties, and we do not share it with lead buyers or marketing companies. Please refer to our Privacy Policy for details on how we handle your data.

Acceptable Use & Intellectual Property

Please do not attempt to disrupt the site, gain access to parts of it you are not meant to reach, scrape it wholesale, or submit anyone else's personal information without their knowledge. The text, layout and design here belong to us; you are welcome to read, print and share pages, but not to republish them as your own. Insurance carrier names and marks belong to their owners, and their appearance here does not imply that they endorse this agency.

Third-Party Links

We link to HealthCare.gov, the Marketplace Call Center and local Navigator services because they are useful and free. We do not control those sites and are not responsible for their content or privacy practices. We link to them because they help you, not because we are affiliated with them.

Limitation of Liability

The site is provided "as is" and "as available." To the fullest extent permitted by law we disclaim all warranties, express or implied, and we are not liable for indirect, incidental, special, consequential or punitive damages arising from your use of this website. Our total liability arising out of your use of the site will not exceed one hundred United States dollars.

This limitation concerns the website. It does not limit any liability arising from the agency services we provide to clients, and it does not exclude any liability that cannot be excluded at law, including liability for fraud or for breach of the duties state law imposes on licensed insurance producers.

Indemnification

You agree to indemnify and hold harmless Firefly Health, Inc, its officers and agents from all claims, losses or expenses, including reasonable legal fees, resulting from your breach of these Terms, your failure to disclose information relevant to eligibility, or your submission of personal information you were not authorized to provide.

Complaints, and Where Else to Take Them

If you are unhappy with this agency or with how one of our agents has behaved, tell us — and if you would rather not, you have routes that do not involve us at all. You may contact the Marketplace Call Center on 1-800-318-2596, TTY 1-855-889-4325, or the department of insurance in your state. We publish this because you should not have to search for it.

Dispute Resolution

Before pursuing legal action, both parties agree to attempt good-faith negotiation. If unresolved, disputes shall be submitted to binding arbitration in Massachusetts, following the rules of the American Arbitration Association. Each party pays its own legal costs unless otherwise awarded.

Class action waiver. To the fullest extent permitted by law, proceedings will be conducted only on an individual basis and not as a class, consolidated or representative action. Either party may instead bring a qualifying individual claim in small claims court.

This clause concerns disputes with this agency. It does not apply to a dispute with an insurance company about a plan, which is governed by that plan's own appeal and grievance procedures, and nothing here limits your right to appeal a coverage or eligibility decision, to complain to a state department of insurance, or to contact the Marketplace directly.

Governing Law

These Terms are governed by the laws of the State of Massachusetts, without regard to conflict-of-law rules, except where the mandatory consumer or insurance law of your state of residence applies.

Updates to Terms

We may revise these Terms at any time. Changes are effective upon posting to this website, and the effective date above shows when they last changed. Continued use of the Services constitutes acceptance of the revised Terms.

Contact Information

Firefly Health, Inc · 101 Walnut St., Watertown, MA 02472 · (855) 949-0897 · team@heartlandhealthins.org · Licensed insurance producer · License numbers on request.