Terms of Use
Last updated: October 22, 2026
These terms apply to your use of USAMedicareAdvantageShop.com, which is owned and operated by LT Insurance & Associates, a licensed insurance agency. By using this website, you agree to these terms.
Who we are
We are an independent, licensed insurance agency. We are not the U.S. government, the federal Medicare program, or an insurance company. This website is a solicitation for insurance. We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE (TTY 1-877-486-2048), 24 hours a day, 7 days a week, to get information on all of your options.
Information on this website
Plan names, premiums, benefits, star ratings, provider networks and drug cost estimates come from Medicare and insurance company data and are provided for general information. They can change, and they are not a guarantee of coverage or cost. Each plan's Summary of Benefits and Evidence of Coverage is the official source for its benefits, limits and exclusions. Drug cost estimates depend on the drugs, amounts and pharmacy you enter, and your actual costs may be different.
No cost to you
There is no fee to use this website or to talk with our licensed agents. We are paid by the insurance company if you enroll in a plan.
Enrollment
Choosing a plan on this website does not enroll you. Enrollment happens only when a complete application is submitted with your permission and accepted by the insurance company and Medicare. Enrollment depends on the plan's contract renewal with Medicare.
Contacting you
If you submit your information and check the consent box, you agree that we and our licensed agents may contact you as described on our form and in our Privacy Policy. You can stop texts by replying STOP, or ask us to stop calling at any time.
Acceptable use
Please use this website only for lawful purposes and only to look up coverage for yourself or someone who has given you permission. Do not copy, scrape or misuse the content of this website.
Limitation of liability
This website is provided "as is." To the extent allowed by law, LT Insurance & Associates is not liable for any loss that results from relying on general information on this website instead of a plan's official documents.
Changes
We may update these terms from time to time. The date at the top shows when they last changed.