Terms of Use

These Terms of Use (“Terms”) govern your use of upperechelonhealth.com and related online forms and services provided by Upper Echelon Health. By using the website, you agree to these Terms. If you do not agree, please discontinue use of the website.

1. Permitted Use

You may use this website for lawful personal or business purposes related to learning about or requesting insurance assistance. You may not interfere with website security or operation, gain unauthorized access, introduce malicious code, scrape or harvest information through unauthorized automated means, impersonate another person, or knowingly submit fraudulent or materially misleading information.

2. Insurance Information Is Not the Policy

Descriptions of plans, benefits, premiums, networks, underwriting criteria, eligibility requirements, or other insurance features are summaries intended to assist consumers. The applicable insurance policy, certificate, application, carrier materials, and other official plan documents govern coverage. If a summary or website statement conflicts with official plan documents, the official documents control.

3. Eligibility, Underwriting, and Availability

Submitting a form, requesting a quote, completing a consultation, or submitting an application does not guarantee coverage. Plan availability and pricing may depend on location, age, household information, effective date, eligibility rules, underwriting, health information where legally permitted and applicable, carrier requirements, and other factors. Final decisions regarding issuance and underwriting are made by the applicable carrier.

4. Quotes and Cost Examples

Unless expressly identified as final, premium amounts, savings figures, benefit examples, or comparisons are estimates or illustrations and may change. Rates and terms may change due to updated information, carrier action, underwriting, corrections, effective dates, or other applicable factors.

5. Provider Networks

Provider directories and network information can change. You should confirm directly through the applicable carrier/network resources that a physician, facility, pharmacy, laboratory, or other provider is participating in your specific plan before receiving non-emergency services. Upper Echelon Health does not control provider participation or network changes.

6. Benefits, Prescriptions, and Claims

Benefits, formularies, drug tiers, deductibles, copays, coinsurance, exclusions, limitations, prior authorization requirements, and claims determinations are governed by the applicable plan and carrier. We may assist in explaining information or navigating service questions, but carriers and other responsible entities make final benefit and claims determinations.

7. Accuracy of Information You Provide

You are responsible for providing complete and accurate information during quoting, eligibility review, applications, and enrollment. You should review application responses and official documents before signing or submitting them. Inaccurate or incomplete information may affect underwriting, eligibility, coverage, claims, or policy status.

8. Communications and Consent

If you request assistance and provide contact information, we may contact you about your inquiry and related services. Any consent language presented on a specific form or communication is incorporated into your interaction with that form. Where required, marketing or automated communications will be based on the consent obtained through the applicable channel. Consent to marketing calls or texts is not a condition of purchasing insurance. Message and data rates may apply.

9. No Emergency or Medical Service

This website is not an emergency service and does not provide medical diagnosis or treatment. For a medical emergency, contact emergency services or an appropriate health care provider. Insurance information on this website should not be used to delay or replace medical care.

10. No Legal, Tax, Medical, or Investment Advice

Unless expressly stated otherwise, Upper Echelon Health does not provide legal, tax, accounting, medical, or investment advice. Consult an appropriately qualified professional for advice in those areas.

11. Third-Party Services and Carrier Content

The website may link to or integrate third-party carrier websites, enrollment systems, CRM/forms, provider directories, scheduling tools, and other services. Those services are controlled by their respective operators and may have separate terms and privacy policies. We are not responsible for third-party availability, security, content, or independent actions.

12. Intellectual Property

Unless otherwise indicated, Upper Echelon Health owns or is authorized to use the website's original branding, text, graphics, design, and other content. You may not reproduce, sell, republish, or commercially exploit protected content without permission except as permitted by law.

13. Website Availability and Disclaimer of Warranties

We work to keep the website useful and accurate, but insurance products, regulations, rates, networks, and carrier requirements change. To the fullest extent permitted by law, the website is provided “as is” and “as available.” We do not warrant uninterrupted availability, complete accuracy, or a particular insurance outcome.

14. Limitation of Liability

To the fullest extent permitted by law, Upper Echelon Health will not be liable for indirect, incidental, special, consequential, exemplary, or punitive damages arising from use of the website, reliance on general website content, third-party services, or circumstances outside our reasonable control. Nothing in these Terms limits liability that applicable law does not permit to be limited.

15. Indemnification

To the extent permitted by law, you agree to indemnify and hold Upper Echelon Health harmless from claims, losses, liabilities, and reasonable expenses resulting from your unlawful misuse of the website, violation of these Terms, or knowing submission of fraudulent or intentionally misleading information.

16. Privacy

Your use of the website is also subject to our Privacy Policy, which describes our information practices.

17. Changes

We may update these Terms to reflect changes in our website, services, business practices, or legal requirements. Updated Terms become effective when posted unless otherwise stated.

18. Severability and No Waiver

If a provision is held invalid or unenforceable, the remaining provisions remain in effect to the extent permitted by law. Failure to enforce a provision is not a waiver of that provision.

19. Governing Law

These Terms are governed by applicable federal law and, to the extent not preempted, the laws applicable to Upper Echelon Health's business operations, without expanding or limiting any consumer rights that cannot lawfully be waived.

20. Contact

Questions regarding these Terms may be submitted through the contact information or contact form at www.upperechelonhealth.com.