Terms of Service

Effective Date: June 10, 2026

Welcome to Benefits Covered Insurance Solutions ("we," "us," or "our"). By accessing or using our website, benefitscovered.com, or by communicating with us via phone, text message (SMS), or email, you agree to comply with and be bound by the following Terms of Service. Please read these terms carefully. If you do not agree to these terms, you should not use our website or services.

1. Services Provided

Benefits Covered Insurance Solutions offers expert guidance and matching services for various insurance products, specializing in:

• Medicare Insurance Plans (including Medicare Advantage, Medicare Supplement, and Prescription Drug Plans)
• Hospital & Illness Cash Payout Plans
• Life & Protection Plans
• Individual Health Coverage & Covered California
• Group Health Insurance Plans

Our services are provided for informational and preliminary quote-generation purposes. Final coverage eligibility and premium rates are determined solely by the insurance carriers.

2. Information Accuracy & No Legal/Medical Advice

While we strive to provide accurate, up-to-date plan information, the insurance market and government regulations change frequently.

The content on this website is for general informational purposes only and does not constitute financial, legal, tax, or medical advice.

We encourage you to consult with a licensed advisor before making final enrollment decisions.

3. TCPA and SMS Communication Consent

By providing your phone number on our website (such as submitting a request for a quote, filling out a contact form, or utilizing our chat widget), you provide your express written consent to be contacted by Benefits Covered Insurance Solutions and our licensed advisor, Alisa Ugalde.

• Communication Methods: Contact may include phone calls, voicemails, and SMS/text messages for marketing, account updates, or plan consultation purposes.
• Frequency: Message frequency varies based on your requests and ongoing assistance needs.
• Opt-Out: You can opt-out of receiving text messages at any time. To stop receiving text messages, reply "STOP" to any SMS message you receive from us.
• Help: For assistance with text messaging, reply "HELP" or contact us directly at 424-428-1847.
• Carrier Charges: Standard message and data rates applied by your mobile carrier may apply.

4. Third-Party Links & External Sites

Our website contains links to external websites, including GroupHealthPlansInCalifornia.com for group health inquiries. These external sites are not operated or controlled by Benefits Covered Insurance Solutions. We are not responsible for the privacy practices, content, or terms of service of any third-party websites. Clicking on external links is done at your own risk.

5. Prohibited Uses

You agree to use this website only for lawful purposes. You are prohibited from:

• Submitting false, inaccurate, or misleading personal information.
• Using the site to transmit malware, viruses, or disruptive code.
• Attempting to scrape, harvest, or systematically extract data from this website.

6. Limitation of Liability

To the fullest extent permitted by law, Benefits Covered Insurance Solutions, its owner Alisa Ugalde, and its affiliates shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising out of your access to, use of, or inability to use this website, even if we have been advised of the possibility of such damages.

7. Changes to These Terms

We reserve the right to update or modify these Terms of Service at any time without prior notice. Any changes will become effective immediately upon posting to the website. Your continued use of the site or communication channels after changes are posted constitutes your acceptance of the revised terms.

8. Contact Information

If you have any questions or concerns regarding these Terms of Service, please contact us at: