Terms of Service & Disclaimer
By accessing or using this website, you agree to the following Terms of Service and Disclaimer. Please read carefully before using this website or submitting any information.
General Information Only
The information provided on this website is for general educational and informational purposes only and is not intended to be construed as legal, tax, financial, or medical advice. Medicare plan availability, benefits, premiums, provider networks, formularies, and coverage options may vary by county, state, carrier, and eligibility requirements.
Visitors should consult directly with a licensed insurance professional and review official plan documents before making enrollment decisions.
No Obligation or Enrollment Guarantee
Submitting a contact form, requesting information, scheduling an appointment, or speaking with Sandra Kerley does not obligate you to enroll in any insurance plan. Enrollment in Medicare Advantage, Medicare Supplement, Prescription Drug Plans (PDP), Dental, or Vision plans is subject to eligibility requirements, carrier approval, enrollment periods, and federal regulations.
Plan availability and acceptance are not guaranteed.
Licensed Independent Insurance Agent
Sandra Kerley is a licensed independent insurance agent authorized to offer Medicare-related products in select states, including South Carolina, North Carolina, Virginia, Vermont, Ohio, and Indiana.
Sandra Kerley represents multiple insurance carriers, including but not limited to:
BCBS NC
Devoted Health
UnitedHealthcare (UHC)
Health Springs/Cigna
Humana
Wellcare
Aetna
Because Sandra Kerley is an independent agent, she may offer plans from multiple carriers based on availability in your area. Not all plans, carriers, or products are available in every location.
Medicare Disclaimer
This website is not affiliated with, endorsed by, or operated by the U.S. Government, the Centers for Medicare & Medicaid Services (CMS), or Medicare.gov.
Medicare information provided on this website is intended only as a general overview of available products and services. For official Medicare information, visit Medicare.gov or call 1-800-MEDICARE.
No Fees for Consultation
Sandra Kerley does not charge fees for consultations, plan reviews, or assistance comparing available Medicare plans. Compensation may be received from insurance carriers if a policy is enrolled through an approved application process.
Scope of Appointment
By requesting information through this website, you acknowledge that a licensed insurance agent may contact you regarding Medicare Advantage Plans, Medicare Supplement Insurance, Prescription Drug Plans (PDP), Dental Insurance, Vision Insurance, and other related products for which you provide permission to discuss.
Completion of any form or communication through this website does not automatically constitute enrollment or a Scope of Appointment under CMS guidelines.
Privacy & Information Submission
Any information voluntarily submitted through this website may be used solely for the purpose of contacting you regarding insurance products or services you requested. Personal information is handled in accordance with applicable privacy laws and regulations.
Please do not submit sensitive personal health information, Medicare numbers, Social Security numbers, or banking information through unsecured website forms or email communications.
Availability of Plans
Benefits, premiums, deductibles, copayments, provider participation, formularies, and coverage areas may change annually on January 1 or as determined by the insurance carrier and CMS regulations.
You should always review the official Evidence of Coverage (EOC), Summary of Benefits, and carrier documentation before enrolling in any plan.
Limitation of Liability
Sandra Kerley and this website make reasonable efforts to provide accurate and current information; however, no guarantees are made regarding the completeness, accuracy, or timeliness of information presented.
By using this website, you agree that Sandra Kerley, affiliated agencies, and representatives shall not be held liable for any direct, indirect, incidental, or consequential damages arising from reliance upon website content, plan availability, or enrollment decisions.
Consent to Contact
By submitting your information through this website, you consent to being contacted by phone, email, or text message by Sandra Kerley or authorized representatives regarding insurance-related products and services. Message and data rates may apply. Consent is not a condition of purchase.
You may opt out of communications at any time.
Changes to Terms
These Terms of Service and Disclaimer may be updated or modified at any time without prior notice. Continued use of this website constitutes acceptance of any updated terms.
Contact Information
Sandra Kerley
Licensed Independent Insurance Agent
Licensed In:
South Carolina, North Carolina, Virginia, Vermont, Ohio, and Indiana
For questions regarding these Terms or available insurance products, please contact Sandra Kerley directly through the contact information provided on this website.