TCPA Consent Disclosure
1. Who You Are Consenting to Contact You
By submitting a form on this website with the consent box checked, you provide your prior express written consent for the following parties (the "Authorized Parties") to contact you:
- Health Benefits Now (the DBA name; legal entity name on file with state insurance regulators)
- Health Benefits Now's licensed insurance agents and producers acting on its behalf
- Health Benefits Now's appointed insurance carriers and partner brokers — a current list is maintained at the Partners page
- Health Benefits Now's authorized marketing service providers acting as our agents (e.g., dialer platforms, CRM vendors, call center partners)
2. How They May Contact You
The Authorized Parties may contact you by any of the following methods at the phone number(s) and email address you provide:
- Live telephone calls from a live agent
- Automated telephone calls placed using an automatic telephone dialing system ("ATDS" or autodialer)
- Calls delivering a prerecorded or artificial voice message
- Calls using an AI-generated voice
- SMS and MMS text messages, including those sent via automated platforms
3. Subjects on Which They May Contact You
Contact will be limited to the subject matter related to the form you submitted, including:
- Health insurance, including Affordable Care Act (ACA) plans, Short Term Medical, Limited Medical, Ministry Health Share, and similar products
- Medicare-related products, including Medicare Advantage, Medicare Supplement (Medigap), and Prescription Drug Plans (Part D)
- Life insurance, including Term, Whole Life, and Final Expense
- Dental, vision, hearing, accident, critical illness, hospital indemnity, and other ancillary insurance products
- Long-term care insurance
- Customer service, enrollment, billing, claims, and plan renewal communications related to products you obtain through us
4. Consent Is Not a Condition of Purchase
Consent to receive these communications is not required as a condition of purchasing any goods or services. You may obtain a quote or speak with an agent without providing this consent by calling us directly at (888) 711-7894.
5. Message and Data Rates
Message and data rates may apply. Message frequency varies depending on your activity and the product(s) you inquire about. We do not charge for messages, but your wireless carrier may charge you for sending and receiving text messages.
6. How to Revoke Consent
You may revoke this consent at any time, by any reasonable means, including:
- Text messages: Reply STOP to any text to opt out of further texts from that sender. Reply HELP for help.
- Phone calls: Tell the agent that you do not want to receive further calls, or call (888) 711-7894 and ask to be added to our internal Do Not Call list.
- Email: Email privacy@healthbenefitsnow.com with the subject line "Revoke Consent" and include the phone number(s) and email(s) you wish to remove.
- Mail: Health Benefits Now, [Mailing Address], Attn: Privacy / TCPA Revocation
We will honor revocation requests within 10 business days, as required by FCC regulations. Once revoked, you will only be contacted regarding active policies or in response to your specific inquiries.
7. Internal and Federal Do Not Call Lists
Even if you have consented, you may add your phone number to the National Do Not Call Registry at any time. Doing so does not automatically revoke prior express written consent given to us; to fully revoke our right to contact you, please follow the revocation procedures in Section 6.
8. Identity Verification and "Subscriber" Status
By submitting a form, you represent that you are at least 18 years of age and that you are either the regular subscriber, customary user, or authorized account holder of the telephone number(s) and email address(es) you provided. If the number you provide is later reassigned to another person, please notify us so we can update our records.
9. Record Retention and Audit Trail
For each form submission, we capture and retain the following evidence of consent for legal defense purposes:
- The complete text of the consent disclosure presented to you at the time of submission
- The version identifier of the consent disclosure
- The date and time of your submission (ISO 8601 timestamp)
- Your IP address at the time of submission
- Your browser User-Agent string
- The URL of the page where you provided consent
- The referring URL (if any)
- Marketing attribution parameters (UTM tags, Google Click ID, Meta Click ID)
We retain consent records for the duration of our relationship with you and for at least four (4) years following the last contact, consistent with the federal TCPA statute of limitations.
10. State-Specific Rights
California
California residents have additional rights under the California Consumer Privacy Act (CCPA) and the California Invasion of Privacy Act (CIPA). See our Privacy Policy.
Florida
The Florida Telephone Solicitation Act (FTSA) imposes additional restrictions on automated telephonic sales calls and texts. Florida residents may revoke consent at any time by any reasonable means.
Washington
Washington's Commercial Electronic Mail Act (CEMA) and chapter 80.36 RCW provide additional protections for Washington residents.
Oklahoma, New Jersey, and Other States
Several states have enacted "mini-TCPA" laws that may provide additional rights. Where state law conflicts with this disclosure, the more protective provision applies.
11. Medicare-Specific Disclosures
If you inquire about Medicare Advantage, Medicare Supplement, or Prescription Drug Plans, additional disclosures apply under the CMS Medicare Communications and Marketing Guidelines:
- We do not offer every plan available in your area. Currently, we represent multiple organizations offering Medicare Advantage HMO, PPO, PFFS, Medicare Supplement insurance, and stand-alone Prescription Drug Plans in your area.
- We are not connected with or endorsed by the U.S. government or the federal Medicare program.
- For complete information on all your Medicare options, contact Medicare.gov, call 1-800-MEDICARE (1-800-633-4227), or contact your local State Health Insurance Assistance Program (SHIP).
- Permission to be contacted about Medicare-related plans (the checkbox you completed on the form) is not a Scope of Appointment (SOA). A separate written or recorded SOA will be obtained before any specific Medicare Advantage or Prescription Drug Plan is discussed in detail.
12. Changes to This Disclosure
We may update this disclosure from time to time. When we do, we will revise the "Version" identifier and "Effective Date" at the top of this page. The version of the disclosure in effect at the time you provided consent is the version that governs your consent.
13. Contact Us
For questions about this disclosure or to exercise any of your rights described above, contact:
Health Benefits Now
Attn: Privacy / TCPA Compliance
[Mailing Address]
Phone: (888) 711-7894
Email: privacy@healthbenefitsnow.com