Compliance
Disclaimers & Compliance Disclosures
The following disclosures are required by federal regulations and reflect our commitment to honest, compliant Medicare insurance marketing.
Third-Party Marketing Organization (TPMO) Disclaimer
We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.
Not Affiliated with the U.S. Government or Federal Medicare Program
This website is not affiliated with or endorsed by the U.S. government, the Centers for Medicare & Medicaid Services (CMS), the Social Security Administration, or any other federal agency.
The word “Medicare” on this website refers to the federal health insurance program. Use of this word does not imply any affiliation with, sponsorship by, or endorsement from the federal Medicare program or any government agency.
Plan Availability Disclaimer
Plan availability varies by county and ZIP code. Not all plans are available in all areas. Medicare Advantage, Medicare Supplement, and Part D Prescription Drug plan options differ significantly by service area.
The plans we represent do not cover every Medicare plan available in your area. To see all available plans in your area, visit Medicare.gov, call 1-800-MEDICARE (1-800-633-4227), TTY users should call 1-877-486-2048, or contact your State Health Insurance Assistance Program (SHIP).
Benefits Vary by Plan, County, and Eligibility
Benefits, premiums, copayments, coinsurance, deductibles, provider networks, formularies, and coverage rules vary by plan and location. Plans may change these elements annually. What a plan offers in one county may not reflect what is offered in another.
Additional benefits such as dental, vision, hearing, and over-the-counter allowances - where included in Medicare Advantage plans - vary by plan design and are not guaranteed. Always review official plan documents, including the Evidence of Coverage and Annual Notice of Change, before making enrollment decisions.
Marketing Compliance Statement
Our marketing materials are intended to educate and inform Medicare beneficiaries about their options - not to pressure or mislead. We do not engage in any marketing practices that violate applicable CMS regulations, including those related to unsolicited marketing, misleading benefit claims, or inappropriate comparisons.
We do not use language that implies guaranteed savings, guaranteed acceptance, or superiority over other plan options not substantiated by verifiable data.
All marketing materials used in connection with Medicare Advantage and Part D plans are subject to CMS review and approval requirements where applicable.
Licensed Agent Statement
Insurance services are provided by Sergio Kuik, a licensed insurance producer authorized to discuss and enroll individuals in Medicare-related insurance products in the states listed below.
| Detail | Number |
|---|---|
| National Producer Number (NPN) | 15671317 |
| Florida (FL) | W776006 |
| Georgia (GA) | 2820000 |
| Michigan (MI) | 0614417 |
| North Carolina (NC) | 15671317 |
| Ohio (OH) | 1377105 |
| Pennsylvania (PA) | 917735 |
| South Carolina (SC) | 15671317 |
| Texas (TX) | 1710231 |
| Virginia (VA) | 817330 |
A licensed agent may only discuss and enroll individuals in plans in states where the agent holds an active license and the plan has been approved for sale. Licensure does not guarantee the availability of any specific plan or product.
Free Medicare Counseling - SHIP
The State Health Insurance Assistance Program (SHIP) provides free, unbiased Medicare counseling. SHIP counselors are not affiliated with insurance companies and can help you understand all your options. To find your local SHIP, visit Medicare.gov or call 1-800-MEDICARE (1-800-633-4227).