Terms of Service

Using this site

By using this website, you accept these terms. If you disagree with them, please discontinue use. You agree to use the site lawfully and to provide accurate information when you submit a form.

What this site is

This website provides general information about insurance topics and a way to request contact from a licensed agent. Content on this site is educational and is neither insurance advice for your specific situation nor an offer of coverage. Quotes, eligibility, premiums, and benefits are determined by the relevant insurance carrier and governing plan documents, which control over anything stated here.

Insurance disclosures

Vital Benefits is a licensed insurance agency. We are not affiliated with the U.S. government or the federal Medicare program. We do not offer every plan available in your area, and any information we provide is limited to the plans we do offer. For information on all of your options, contact Medicare.gov or 1-800-MEDICARE. Agents discussing plan options with you are licensed insurance agents and may be compensated based on your enrollment in a plan.

SMS messaging program

Vital Benefits offers a text messaging program to individuals who opt in through our website. Message types include informational messages about your quote, application, and appointments, and marketing messages about plan options and enrollment periods, depending on the consent you provide.

You must be 18 years of age or older to participate in this messaging program.

Message frequency varies. Message and data rates may apply. To opt out at any time, text STOP to any message you receive from us. For help, text HELP or contact us at [email protected] or (346) 478-6800.

Carriers are not liable for delayed or undelivered messages. Vital Benefits is not responsible for delays or failures in message delivery caused by your mobile carrier or device.

This messaging program is subject to our Privacy Policy.

Age requirement

You must be at least 18 years old to use this website or its services, including the text messaging program described above.

Intellectual property

The Vital Benefits name, logo, and site content belong to Vital Benefits or its licensors and may be used only as this site intends. Third-party trademarks, including those of insurance carriers and Medicare, belong to their respective owners.

Third-party links

Links to third-party sites, including Medicare.gov, are provided for convenience. We are responsible only for our own site and its content.

Disclaimers and limits

This site is provided as-is, and we do not warrant that it will be uninterrupted or error free. To the fullest extent the law allows, Vital Benefits is liable only for direct damages arising from its own acts and only up to the amount you paid us to use this website, which is zero. Nothing in these terms limits rights you hold under applicable insurance regulations or consumer protection laws.

Governing law

These terms are governed by the laws of the State of Texas, and any dispute belongs in the state or federal courts located in Harris County, Texas.

Changes and contact

We may update these terms, with the effective date above reflecting the latest version. Questions: [email protected], or Vital Benefits, 1500 Waugh Dr, Houston, TX 77019.