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9:00 AM - 7:00 PM
Our Location
Tampa, Florida, 33637
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844-816-0817
Terms & Conditions
1. Introduction and acceptance of terms
Welcome to HNH Health Solutions, a website owned and operated by HNH Operations (hereafter "Company," "we," "us," or "our"). These Terms and Conditions govern your use of this website and any services offered (collectively, the "Services"). By accessing and using our website, you agree to be bound by these Terms and Conditions. If you do not agree, you should exit the website immediately.
2. Services offered
This website provides general information about insurance products and services, facilitates communication with our licensed agents, and may offer tools for generating insurance quotes.
We do not offer every plan available in your area. Currently, we represent 8 organizations which offer 75 products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Assistance Program (SHIP) to get information on all of your options. This is a proprietary website and is not associated, endorsed or authorized by the Social Security Administration, the Department of Health and Human Services or the Center for Medicare and Medicaid Services. This site contains decision-support content and information about Medicare, services related to Medicare and services for people with Medicare. If you would like to find more information about the Medicare program please visit the Official U.S. Government Site for People with Medicare located at http://www.medicare.gov
No guarantee of coverage: Information on this website is for informational purposes only. Requesting a quote does not guarantee that coverage can be provided, and no coverage is bound until you receive written confirmation from a licensed agent.
No professional advice: The information on this site is not a substitute for professional insurance, legal, tax, or financial advice. You should always consult with a qualified professional regarding your specific situation.
3. Intellectual property rights
All content on this website, including text, graphics, logos, and software, is the property of HNH Operations or its content suppliers and is protected by copyright and other intellectual property laws. You may not copy, reproduce, or modify any content without our prior written consent.
4. User responsibilities and prohibited conduct
By using this website, you agree not to:
Use the website in any way that causes, or may cause, damage or impairment of its performance or availability.
Use the website for any unlawful, illegal, fraudulent, or harmful purpose or activity.
Transmit any unsolicited or unauthorized advertising or promotional material.
Use any automated system or software to extract data from this website.
5. Disclaimer of warranties
The content and services on this website are provided "as is" and "as available," without any warranties of any kind, either express or implied. We do not warrant that the website will be uninterrupted, error-free, or free of viruses or other harmful components. We do not make any warranties regarding the accuracy, completeness, or reliability of any information provided.
6. Limitation of liability
To the fullest extent permitted by law, HNH Health Solutions will not be liable for any direct, indirect, incidental, consequential, or punitive damages arising out of your access to or use of this website. This includes damages for errors, interruptions, or loss of data.
7. Third-party links
This website may contain links to third-party websites for your convenience. We have no control over and assume no responsibility for the content, privacy policies, or practices of any third-party sites. The inclusion of a link does not imply endorsement of the site.
8. Privacy policy
Your use of this website is also governed by our Privacy Policy, which is incorporated by reference into these Terms. By using this website, you consent to the collection and use of your information as described in the Privacy Policy.
9. Changes to the terms
We reserve the right to modify these Terms and Conditions at any time. Any changes will be effective immediately upon posting. Your continued use of the website after any such changes constitutes your acceptance of the new Terms.
10. Governing law and jurisdiction
These Terms and Conditions shall be governed by and construed in accordance with the laws of the state of Florida, without regard to its conflict of law provisions. Any legal action or proceeding arising under these Terms will be brought exclusively in the state or federal courts located in Hillsborough County, Florida
11. Contact information
If you have any questions about these Terms and Conditions, please contact us at: hnhoperations.org .
Frequently Asked Questions
How can I choose the right health insurance plan for me?
There are a few factors to consider when choosing a health insurance plan, such as your budget, health needs, and desired level of coverage. You will be assisted by a licensed agent whom will take into account the network of doctors and hospitals that the plan covers.
When can I enroll in health insurance?
When it comes to enrolling in health insurance, you can generally do so during one of two periods:
1. Open Enrollment Period: This is the main time each year when anyone can sign up for a new plan, typically running from November 1 to January 15.
2. Special Enrollment Period (SEP): This is a specific window of time you get if you've had a major life event, such as losing your job, getting married, having a baby, or moving. This period usually lasts for 60 days after the event.
You can also enroll in Medicaid or the Children's Health Insurance Program (CHIP) at any time throughout the year if you qualify based on your income.
3. The Medicare Annual Enrollment Period (AEP) is a yearly window from October 15 to December 7 when people with Medicare can change their health and prescription drug plans. This is the time to switch between Original Medicare and a Medicare Advantage Plan or to change Part D drug plans. Any changes made during this period will go into effect on January 1 of the next year.
What is a copay?
A copay (or copayment) is a fixed dollar amount you pay for a covered healthcare service, such as a doctor's visit or a prescription. Unlike coinsurance, which is a percentage, a copay is a set fee that you usually pay at the time of service. It's a form of cost-sharing that makes your out-of-pocket costs predictable.
What are the different types of health insurance plans?
There are many different types of health insurance plans available, including:
HMOs: Health maintenance organizations (HMOs) provide healthcare services through a network of doctors and hospitals. You typically have a lower monthly premium but may have less choice of providers.
PPOs: Preferred provider organizations (PPOs) allow you to see any doctor or hospital you choose, but you will pay more for out-of-network services.
EPOs: Exclusive provider organizations (EPOs) are similar to HMOs, but they offer a larger network of providers.
POSs: Point-of-service (POS) plans combine features of HMOs and PPOs. You have more flexibility than an HMO but pay more for out-of-network services than a PPO.
Why do I need health insurance?
You need health insurance primarily for financial protection and access to care. It shields you from the potentially bankrupting costs of a major illness or accident and caps your annual medical spending with an out-of-pocket maximum. Additionally, health insurance provides access to a network of doctors and covers essential preventive services and routine check-ups, helping you stay healthy and catch issues early.
What is coinsurance?
Coinsurance is the portion of a covered medical bill you are responsible for paying, calculated as a percentage. It typically applies after your annual deductible has been met. For example, with a 20% coinsurance, you pay 20% of the bill, and your insurance company pays the remaining 80%. This is different from a copay, which is a fixed dollar amount.
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Copyright © 2023 HNH Health Solutions. All rights reserved.
We do not offer every plan available in your area. Currently, we represent 8 organizations which offer 75 products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Assistance Program (SHIP) to get information on all of your options. This is a proprietary website and is not associated, endorsed or authorized by the Social Security Administration, the Department of Health and Human Services or the Center for Medicare and Medicaid Services. This site contains decision-support content and information about Medicare, services related to Medicare and services for people with Medicare. If you would like to find more information about the Medicare program please visit the Official U.S. Government Site for People with Medicare located at http://www.medicare.gov
Copyright © 2023 HNH Health Solutions. All rights reserved. This website and its content, including but not limited to text, images, graphics, logos, icons, and software, are protected by copyright and other intellectual property laws. No part of this website may be reproduced, distributed, modified, transmitted, republished, displayed, or commercially exploited in any form or by any means, without the prior written permission of HNH Health Solution.