Terms of Service

1. Acceptance of Terms

Please read these Terms of Service (“Terms”) carefully before utilizing the website located at americanhealthplan.us (the “Website”), operated by American Health Plan (“Company”, “we”, “us”, or “our”). By accessing, browsing, submitting forms, or utilizing any services provided on the Website, you confirm that you are at least 18 years of age, legally capable of entering into binding contracts, and agree to be bound by these Terms.

If you do not agree to all terms and conditions set forth herein, you must immediately discontinue use of this Website.

2. Nature of Insurance Brokerage Services

American Health Plan provides a digital informational marketplace and agency connection platform designed to help consumers explore healthcare, Medicare Advantage, Medicare Supplement (Medigap), and prescription drug coverage options.

• American Health Plan is a licensed insurance agency and brokerage, not an insurance underwriting carrier. We do not underwrite insurance policies, determine official claim eligibility, or pay claims.
• All insurance coverage, policy issuance, benefit determination, and underwriting decisions remain solely with the issuing insurance companies (Marketing & Carrier Partners).
• Submitting an inquiry or quote request does not bind coverage, assure approval, or constitute acceptance into any insurance plan. Official coverage is only active upon final carrier application approval and initial premium payment.

3. Government & CMS Disclaimer

4. User Eligibility & Accurate Representations

By submitting your contact information, ZIP code, date of birth, or health coverage preferences on our Website, you represent and warrant that:

• All information you submit is accurate, current, truthful, and belongs to you (or an individual for whom you have lawful power of attorney or legal guardianship).
• You will not submit fictitious names, burner phone numbers, or third-party details without explicit consent.
• You agree to receive communications as detailed in our TCPA & Calling Consent.

5. Intellectual Property Rights

All content, text, graphical illustrations, photographs, user interface designs, stylesheets, scripts, audio-visual materials, brand trademarks, and logos displayed on americanhealthplan.us are the proprietary property of American Health Plan or its licensors and are protected under United States and international copyright, trademark, and intellectual property laws.

You may view, download, and print materials from this Website solely for personal, non-commercial use in evaluating healthcare coverage. Modifying, copying, distributing, republishing, or reverse-engineering Website assets without prior written consent is strictly prohibited.

6. Prohibited Activities

You agree not to engage in any of the following unauthorized activities:

• Using automated web crawlers, scrapers, data-mining tools, or bots to harvest content or contact directories.
• Attempting to interfere with the proper functioning, security, or network infrastructure of the Website.
• Injecting viruses, worms, malware, or malicious script code.
• Impersonating any person or entity, or misrepresenting your affiliation with any person or organization.

7. Third-Party Carrier Products & External Links

This Website may display links, telephone routing, or digital portals operated by third-party health insurance carriers, licensed brokers, and technology vendors. American Health Plan is not responsible for the privacy practices, content, accuracy, or terms of third-party external websites.

8. Disclaimer of Warranties

THIS WEBSITE AND ALL MATERIALS, CONTENT, AND TOOLS ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMISSIBLE PURSUANT TO APPLICABLE LAW, AMERICA HEALTH PLAN DISCLAIMS ALL WARRANTIES, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT.

We do not warrant that the Website will operate uninterrupted, error-free, or free from viruses. Plan rates, benefit quotes, and subsidy estimates displayed are informational estimates subject to underwriting verification.

9. Limitation of Liability

IN NO EVENT SHALL AMERICA HEALTH PLAN, ITS DIRECTORS, OFFICERS, EMPLOYEES, AFFILIATES, OR AGENTS BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, EXEMPLARY, OR PUNITIVE DAMAGES ARISING OUT OF OR IN CONNECTION WITH YOUR ACCESS TO OR USE OF THIS WEBSITE, INCLUDING INABILITY TO OBTAIN COVERAGE, CLAIMS DISPUTES WITH CARRIERS, OR DATA TRANSMISSION ERRORS.

10. Dispute Resolution & Mandatory Binding Arbitration

You and American Health Plan mutually agree that any legal controversy, claim, or dispute arising out of or relating to these Terms, this Website, or our communications shall be resolved exclusively through final and binding individual arbitration administered by the American Arbitration Association (AAA) pursuant to its Consumer Arbitration Rules.

11. Governing Law & Severability

These Terms shall be governed by and construed in accordance with the laws of the State of Texas, without regard to its conflict of law principles. If any provision of these Terms is deemed unlawful, void, or unenforceable, that provision shall be severable without affecting the validity of any remaining provisions.

12. Contact Information

For questions or notices regarding these Terms of Service, please reach out to our legal department: