Terms of Use

Accepting these terms

By using balutinsurancesolutions.com you accept these terms. If you do not accept them, please do not use the site.

What this site is

It describes the services of Balut Insurance Solutions, a licensed independent insurance agency in Pennsylvania, and it explains in general terms how Medicare, the Affordable Care Act and Pennie work.

It is an advertisement for insurance. Its purpose includes the solicitation of insurance, and a licensed producer will contact you about coverage you ask about.

What this site is not

Nothing here is a quote, an application, a binder, or an offer of coverage. No coverage exists until an insurer issues a policy and accepts your premium.

Nothing here is advice about your particular situation, and nothing here is legal, tax or medical advice. Plan availability, benefits, costs and eligibility vary by carrier, by county and by individual circumstance.

Submitting the quote form does not create a client relationship, a binding agreement, or any obligation on either side.

Enrollment dates and other published facts

Enrollment periods are set by the federal government and by Pennie, not by this agency. The dates published on this site carry the date they were last checked against official sources, and every claim links to the source it came from.

Government agencies change these dates, sometimes mid-year and sometimes after litigation. Confirm any date at pennie.com or medicare.gov before you rely on it. Where this site and an official source disagree, the official source is correct.

Your submissions

Send us information that is accurate and that is yours to send. Do not submit anyone else's personal information without their permission.

Insurance eligibility and pricing depend on what you tell us. Inaccurate information produces inaccurate comparisons and can affect a policy after it is issued.

Links to other sites

This site links to government and marketplace sources including medicare.gov, healthcare.gov, pennie.com, irs.gov and Commonwealth of Pennsylvania pages. We link to them because they are authoritative, not because we control them. We are not responsible for their content or their availability.

Content and trademarks

The text, photographs, layout and logo on this site belong to Balut Insurance Solutions unless credited otherwise. You may read, print and share pages for your own use. Please do not republish the content commercially without asking.

Carrier names and program names appear here to identify real organizations. Their marks belong to them, and their appearance here does not imply that they endorse this agency.

No warranty and limitation of liability

This site is provided as it is. We work to keep it accurate and current, and the education pages are sourced precisely for that reason, but we do not warrant that everything on it is complete, current or error-free at every moment.

To the fullest extent Pennsylvania law allows, Balut Insurance Solutions is not liable for indirect or consequential losses arising from your use of this site. Nothing in these terms limits any liability that cannot lawfully be limited, and nothing here limits your rights against an insurer under a policy you hold.

Governing law

These terms are governed by the laws of the Commonwealth of Pennsylvania. Disputes belong in the state or federal courts serving Northampton County, Pennsylvania.

Changes to these terms

We may update these terms. The date at the top of the page shows when they last changed, and using the site after that date means you accept the current version.

Questions

Call 610-600-6906, text 908-329-5270, or email EricInsurance80@gmail.com. Our office is in Northampton, Pennsylvania.