Agreeing to these terms
These Terms of Use apply to avelanhealth.com and everything on it. By using this website, you agree to these terms. If you don’t agree, please don’t use the site. Our Privacy Policy explains how we handle your information.
Who we are
Avelan is an independent insurance agency based in Nashville, Tennessee. We are not affiliated with or endorsed by Medicare, the Centers for Medicare & Medicaid Services (CMS), the Social Security Administration, or any government agency.
We do not offer every plan available in your area. See our Disclaimers for the number of companies and plans we represent, and contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.
Education, not advice
Everything on this website, including our FAQ, articles, cheat sheet, calculators and Social Security page, is for general education. It is not legal, tax, financial, investment or medical advice, and it is not a recommendation of any specific plan, policy or annuity. Talk with a qualified professional about your own situation.
Medicare, Social Security and insurance rules, costs and benefits change often. We work to keep this site accurate and up to date, but we can’t promise that every detail is current or complete. Medicare, Social Security and insurance companies make the final decisions on eligibility, dates, costs and benefits.
Calculators and tools
Our calculators give estimates only, based on the information you enter and the figures shown on each tool. Your actual dates, penalties and costs may be different.
Using our site doesn’t make you a client
Reading this website or contacting us doesn’t create an agent-client relationship. That begins only when you ask one of our licensed agents to help you and they agree. Our agents can only sell insurance in states where they are licensed.
Insurance and annuity products
Insurance products and annuities are offered by insurance companies, not by Avelan Health. Coverage, benefits, costs and availability depend on the policy, the company and where you live. Annuities and life insurance are not Medicare plans, are not insured by the FDIC, and are not connected with Medicare or the government. We do not discuss annuities or life insurance during Medicare plan appointments unless you ask for a separate conversation.
Emails and texts
If you sign up for emails or texts, you agree to receive messages from us about what you signed up for. Message frequency varies, and message and data rates may apply. You can unsubscribe from emails at any time, or reply STOP to stop texts.
Our content
The text, images, logo, our mascots Vinny and Chubs, the book Medicare 101: Solving the Puzzle, and other content on this site belong to Avelan Health or are used with permission. Please get our written permission before you download, print, copy, share, sell or republish any of our content. The only exception is free resources we offer for download, like our cheat sheet, which you may save and print for your own personal use.
Using the site the right way
Please don’t use this site to break any law, send spam, try to get into our systems without permission, upload harmful code, or pretend to be someone else.
Links to other websites
We link to other websites, like Medicare.gov, SSA.gov and our social media pages, to help you. We don’t control those sites and aren’t responsible for their content.
Disclaimer and limits on liability
This website is provided “as is,” without warranties of any kind. To the fullest extent the law allows, Avelan Health and its agents are not liable for any loss or damage that comes from using, or not being able to use, this website or relying on its content. Some states don’t allow certain limits, so some of these may not apply to you.
Governing law
These terms are governed by the laws of the State of Tennessee, without regard to conflict-of-law rules.
Accessibility
We want everyone to be able to use our website. If you have trouble reading or using any part of it, call us at (505) 408-5984 (TTY 711) and we’ll help you get the information another way.
Changes to these terms
We may update these Terms of Use from time to time. We’ll post the new version here and change the date at the top. Using the site after a change means you accept the updated terms.
Contact us
Questions about these terms? Reach us at:
- Phone: (505) 408-5984 (TTY 711)
- Mail: Avelan Health, 8300 Carmel Ave NE Ste 301, Albuquerque, NM 87122