Regulations / Disclosures

Accuracy and Truthfulness

At Leading Light Insurance Consultants, we are committed to providing accurate and truthful information regarding our services. All advice and information provided on our website are based on current knowledge and understanding of Medicare Advantage Plans, Medicare Supplements, Life Insurance, and Health Insurance. We ensure that our content accurately represents the benefits, risks, and costs associated with these services. Please note that we do not mention specific companies or plan details when discussing Advantage Plans. For detailed information, please contact Medicare.gov or call 1-800-MEDICARE.

Clear Disclosures

We strive to ensure that all important information such as pricing, limitations, qualifications, and disclaimers are clearly disclosed and easy to understand. As required by the Centers for Medicare & Medicaid Services (CMS), we include the following disclosure:

"We do not offer every plan available in your area. Currently, we represent [number of organizations] organizations which offer [number of plans] products in your area. Please contact Medicare.gov or 1-800-MEDICARE, or your local State Health Insurance Program to get information on all your options."

Non-Discrimination

Leading Light Insurance Consultants does not discriminate against individuals based on race, color, national origin, age, disability, or sex. We are committed to providing equal service and access to all individuals seeking our assistance.

Endorsements and Testimonials

Any endorsements or testimonials featured on our website reflect the honest opinions, findings, beliefs, or experiences of the endorser. These testimonials are provided by real clients who have used our services.

Provider Information

Our website includes accurate information about the healthcare providers and facilities offering services through Leading Light Insurance Consultants. This includes contact information and credentials to ensure transparency and trust.

Prohibited Practices

We strictly prohibit deceptive claims, false testimonials, or engaging in bait-and-switch tactics. Our goal is to provide honest and transparent information to our clients, maintaining the highest standards of integrity.

Compliance with State Laws

Leading Light Insurance Consultants complies with all applicable state laws and regulations. We ensure that our advertisements and information meet both federal and state requirements to provide accurate and lawful content.

Medicare/Medicaid Specific Regulations

For advertisements targeting Medicare or Medicaid beneficiaries, we adhere to specific regulations designed to prevent abuse, fraud, and overutilization of services. We provide minimal necessary information for callbacks or quotes to ensure compliance with CMS guidelines.

Language and Accessibility

We are committed to making our advertisements and information accessible and understandable to individuals with limited English proficiency and disabilities. Our content adheres to federal accessibility standards to ensure that all individuals can access and understand the information provided.

Medicare Disclosures

In compliance with CMS regulations, our Medicare-related advertisements clearly indicate:

Medicare Status: Whether the product or service is intended for Medicare beneficiaries.

Benefits and Coverage: Detailed information about Medicare benefits, coverage options, and any limitations or exclusions.

Eligibility Criteria: Any requirements that beneficiaries must meet to qualify for the advertised product or service.

Contact Information: Contact details for the Medicare-approved entity offering the product or service, including the company’s name, phone number, and website.

Disclaimers: Any necessary disclaimers to clarify the scope or limitations of the advertised product or service.

Non-Discrimination Statement: Assurance that the advertised product or service does not discriminate based on race, color, national origin, age, disability, or sex.