Terms and Conditions

Welcome to the website of Health Insurance Services, Inc.

These Terms and Conditions govern your access to and use of this website. By using this website, you agree to these Terms. Please read them carefully. If you do not agree with these Terms, please do not use this website.

Use of This Website

This website is provided for general informational purposes. It is intended to help brokers, advisors, plan sponsors, employers, members, retirees, and other visitors better understand the services and support available through Health Insurance Services, Inc. You agree to use this website only for lawful purposes. You may not use this website in any way that interferes with its security, availability, content, operation, or proper function. You may not attempt to gain unauthorized access to any part of this website, any related systems, or any information not intentionally made available to you.

No Legal, Tax, Medical, Financial, or Insurance Advice

The information on this website is general in nature. It is not legal, tax, medical, financial, fiduciary, or insurance advice. You should not rely on website content as a substitute for guidance from qualified professionals who understand your specific circumstances. Health insurance, retiree benefits, pharmacy programs, stop-loss coverage, reinsurance, Medicare-related matters, and related benefit strategies can involve complex decisions. Information provided on this website may not apply to every organization, plan, member, retiree, broker, employer, or situation.

No Client, Broker, Fiduciary, or Advisory Relationship

Use of this website does not create an insurance, brokerage, consulting, fiduciary, advisory, client, customer, or service relationship with Health Insurance Services, Inc.Any relationship with Health Insurance Services, Inc. must be established separately through a written agreement, authorized appointment, engagement, or other approved arrangement. Submitting a form, downloading a resource, requesting information, or contacting Health Insurance Services, Inc. through this website does not create any obligation for Health Insurance Services, Inc. to provide services, advice, analysis, support, or a response.

Services and Availability

Health Insurance Services, Inc. provides specialized support in areas including group retiree healthcare, pharmacy cost management, stop-loss insurance, reinsurance, and related benefit strategies. The availability of specific services, programs, products, carriers, partners, vendors, strategies, rates, coverage options, or plan designs may vary based on location, eligibility, plan terms, carrier requirements, employer needs, regulatory considerations, underwriting, vendor participation, and other factors. Nothing on this website guarantees that any specific service, program, product, rate, coverage option, savings opportunity, carrier arrangement, vendor arrangement, or benefit strategy will be available to any person, plan, organization, broker, employer, member, or retiree.

Eligibility, Coverage, and Plan Information

Any information on this website about coverage, benefits, eligibility, access, plan design, carriers, pharmacies, providers, vendors, Medicare-related arrangements, or related services is provided for general informational purposes only. Actual coverage, eligibility, benefits, costs, member responsibilities, provider access, pharmacy access, prescription access, claims handling, and program requirements are governed by the applicable plan documents, contracts, policies, carrier materials, vendor terms, employer arrangements, and applicable law. If there is any conflict between website content and official plan documents, carrier materials, vendor materials, policies, contracts, or applicable law, the official documents and applicable law will control.

No Guarantee of Results

Health Insurance Services, Inc. works to support better decision-making, clearer implementation, responsible cost management, and stronger service experiences. However, results can vary. Any examples, case studies, savings references, service descriptions, testimonials, or outcome summaries on this website are illustrative only. They do not guarantee future savings, coverage availability, eligibility, carrier approval, provider access, pharmacy access, prescription access, implementation timing, member experience, plan performance, or similar outcomes. Past results do not guarantee future results.

Sensitive Information Warning

Please do not submit protected health information, medical records, prescription information, claim details, Medicare numbers, Social Security numbers, financial account information, or other sensitive personal information through general website forms unless Health Insurance Services, Inc. specifically requests that information through a secure process. If you need to discuss a specific member, retiree, claim, prescription, coverage issue, or other sensitive matter, please contact Health Insurance Services, Inc. through the appropriate secure or authorized channel.

Information You Submit

You may choose to submit information through contact forms, resource requests, consultation requests, email links, or other website features. By submitting information, you represent that the information you provide is accurate and that you have the authority to share it. By submitting a form, you authorize Health Insurance Services, Inc. to contact you using the information provided. Submitting information does not guarantee a response, create a relationship, or obligate Health Insurance Services, Inc. to provide services.

Electronic Communications

When you submit information through this website, email Health Insurance Services, Inc., or otherwise communicate electronically, you consent to receive communications from Health Insurance Services, Inc. electronically. You understand that electronic communications may not always be secure unless sent through an approved secure method. You should not use general email or unsecured forms to send sensitive personal, medical, prescription, claim, Medicare, or financial information.

Privacy

Your use of this website may involve the submission of personal or business information. Please review our Privacy Policy to understand how information may be collected, used, protected, and shared. If this website links to third-party websites, platforms, forms, or resources, those third parties may have their own privacy policies and data practices. Health Insurance Services, Inc. is not responsible for the privacy or security practices of third parties.

Third-Party Links, Carrier Materials, and Vendor Resources

This website may include links to or references to third-party websites, carrier materials, vendor platforms, pharmacy resources, administrator resources, Medicare-related resources, plan documents, forms, tools, downloadable materials, or other external content. These resources are provided for convenience only. Health Insurance Services, Inc. does not control and is not responsible for the content, accuracy, completeness, availability, security, privacy practices, performance, products, services, or resources of any third-party website, platform, carrier, vendor, administrator, pharmacy, provider, or other third party. Accessing third-party resources is at your own discretion.

Intellectual Property

All website content, including text, graphics, page structure, service descriptions, logos, icons, downloadable materials, presentations, case studies, forms, toolkits, guides, graphics, and other resources, is owned by or licensed to Health Insurance Services, Inc. unless otherwise stated. You may view, download, or print website materials for your own internal business or informational use. You may not copy, modify, distribute, republish, sell, sublicense, publicly display, use for commercial resale, or create derivative materials from website content without written permission from Health Insurance Services, Inc. All rights not expressly granted are reserved.

Website Accuracy and Updates

Health Insurance Services, Inc. makes reasonable efforts to keep website information clear and current. However, benefit programs, insurance products, carrier rules, vendor requirements, regulations, service details, rates, and availability may change over time. Health Insurance Services, Inc. does not guarantee that all website content is complete, current, accurate, or free of errors. Health Insurance Services, Inc. may update, revise, remove, or change website content at any time without notice.

Website Availability and Security

Health Insurance Services, Inc. works to maintain a reliable website experience, but we do not guarantee that this website will always be available, uninterrupted, secure, or error-free. We may suspend, restrict, modify, or discontinue access to all or part of the website at any time without notice.

Accessibility

Health Insurance Services, Inc. is committed to making its website accessible and usable.If you experience difficulty accessing content on this website, please contact us. Phone: (888) 344-2522 ​Fax: (262) 241-3435​ Email: info@hismi.com​ We will make reasonable efforts to assist you.

Limitation of Liability

To the fullest extent permitted by law, Health Insurance Services, Inc. and its employees, representatives, partners, affiliates, vendors, and service providers are not liable for any direct, indirect, incidental, consequential, special, punitive, or other damages arising from or related to:

Use of this website
Reliance on website content
Inability to access the website
Website errors or omissions
Submission of information through the website
Use of any linked third-party resource
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Actions or omissions of any third-party carrier, vendor, administrator, pharmacy, provider, platform, or resource

This limitation applies even if Health Insurance Services, Inc. has been advised of the possibility of such damages.Some jurisdictions do not allow certain limitations of liability, so some of the above limitations may not apply to you.

Indemnification

You agree to hold harmless Health Insurance Services, Inc. and its employees, representatives, partners, affiliates, vendors, and service providers from and against any claims, damages, losses, liabilities, costs, or expenses arising from or related to:

Your use of this website
Your violation of these Terms
Your misuse of website content
Information you submit through the website
Your violation of any law or third-party right

Governing Law and Venue

These Terms are governed by the laws of the State of Michigan, without regard to conflict of law principles. Any dispute arising from or relating to this website or these Terms shall be brought in the state or federal courts located in Michigan, unless applicable law requires otherwise.

Changes to These Terms

Health Insurance Services, Inc. may update these Terms from time to time. Updates will be posted on this page with a revised “Last updated” date. Your continued use of this website after changes are posted means you accept the updated Terms.

Contact Us

For questions about these Terms and Conditions, please contact:

‍Health Insurance Services, Inc.
‍
Phone:
(888) 344-2522​
‍
Fax:
‍(262) 241-3435
‍
​Email: info@hismi.com​
‍
‍Location:
306 S. Washington Suite 206 ​Royal Oak, MI 48067
‍
Agency Hours:
M-F: 9:00am - 5:00pm EST