BENEFITS DIRECT · POLICIES & ACCESS

Terms and Conditions

Effective October 9, 2026. These terms apply to use of this website and do not amend insurance contracts or waive nonwaivable consumer rights.

Information and binding limits

Content, calculations and drug-directory results are general educational information, not legal, tax or medical advice. Calculator outputs are illustrative budgets, not insurance quotes or guarantees. This website cannot bind coverage, determine eligibility, approve claims or enroll you merely because you visit or contact us.

Coverage is subject to a valid application, applicable eligibility and enrollment rules, insurer or Marketplace acceptance, any required premium payment and confirmation of an effective date. The issued policy, certificate, Summary of Benefits and Coverage, Evidence of Coverage and applicable law govern. Verify current premiums, provider networks, formularies, exclusions and benefits before enrolling. Do not cancel existing coverage until replacement coverage is confirmed.

Responsible use

Use this website lawfully. Do not impersonate another person, provide information you are not authorized to share, interfere with the service or attempt unauthorized access. Website content may be used for personal reference; third-party logos and trademarks belong to their owners.

External services

Linked quote, enrollment, government, drug-directory and social services have their own terms. We do not control their availability, accuracy or privacy practices. A link does not guarantee their content or imply government endorsement. Contact us for an alternative if a linked service is inaccessible.

Limitations of liability

To the extent permitted by law, website information and tools are provided without warranties of uninterrupted availability, completeness or fitness for a particular purpose. Benefits Direct is not responsible for indirect or consequential losses arising solely from use of educational website content or third-party services. These limitations do not exclude liability or obligations that cannot lawfully be excluded, including applicable statutory consumer protections. Report inaccurate content so we can review it.

Contact and updates

Questions: info@benefitsdirect.org or (614) 420-2418. Changes will be reflected in the effective date. Insurance and agency service agreements, where applicable, are separate from these website terms.