BENEFITS DIRECT · POLICIES & ACCESS

Limitation of Liability

Effective October 9, 2026. Read this notice with our Terms and Conditions and Insurance Disclosures.

Educational content and estimates

Website information, illustrative budgets and drug-directory results are provided for general reference. They are not binding insurance quotes, individual medical advice, legal or tax advice, eligibility decisions or guarantees of coverage. We aim for accuracy, but information and rules can change. Confirm current terms with the responsible insurer, Marketplace and qualified adviser before making a decision.

No binding coverage or claim decision

Coverage starts only after the responsible insurer or Marketplace accepts a valid application, applicable requirements and any required premium payment are satisfied, and the effective date is confirmed. Policy documents and applicable law control. This website cannot bind insurance, approve claims or guarantee a particular provider network or formulary.

Service availability and third parties

To the extent permitted by law, educational website content and tools are provided without warranties of uninterrupted availability, completeness or fitness for a particular purpose. Benefits Direct does not control external service uptime, content, privacy or accessibility. To the extent permitted by law, Benefits Direct is not liable for indirect or consequential losses arising solely from use of educational content or linked services.

Rights preserved and help

These limits do not exclude liability or duties that cannot lawfully be excluded, nor do they waive statutory consumer rights or change insurance policy terms. For questions, errors or an accessible alternative, call (614) 420-2418 or email info@benefitsdirect.org.