Terms of Use

Choices Ahead provides educational information and comparison tools. We do not provide insurance, medical care, legal advice, or financial advice. You should verify details directly with any provider before enrolling or purchasing any product or membership.

Choices Ahead is not an insurance company and is not a licensed broker. Any decisions you make are your responsibility. Some options shown may be memberships, sharing programs, or alternative models that are not regulated as insurance.

Some options discussed on Choices Ahead may include healthsharing programs, membership models, crowdsharing programs, or other healthcare alternatives. These options may not be regulated as insurance and may not provide the same legal protections as traditional insurance plans. Eligibility rules, exclusions, reimbursement timelines, and payment practices vary by provider. You are responsible for reviewing all provider documents and confirming details directly with the provider before enrolling.

Choices Ahead does not provide medical advice and does not replace a licensed clinician. Do not delay or avoid medical care based on information on this site. If you believe you have a medical emergency, call 911 or seek immediate medical attention.

We aim to keep information current, but we cannot guarantee accuracy, completeness, or provider availability. Provider rules, eligibility, pricing, reimbursement practices, and coverage details may change at any time without notice. Information on the site may include summaries and may not reflect the full provider terms.

Providers listed are independent third parties. We do not control or guarantee their services, pricing, eligibility approval, or outcomes. Any contracts or memberships you enter are between you and the provider. You are responsible for resolving disputes directly with providers.

Choices Ahead may receive compensation from certain providers or partners, including referral fees, marketing fees, or other commercial arrangements. Compensation may influence how providers are presented. We aim to provide educational clarity and fair comparisons, but you should evaluate all options independently. You are not required to use any provider listed. In connection with referrals, we may share personal information with providers or partners when you request provider contact, which may be treated as a sale or sharing under certain privacy laws.

Your use of the site is also governed by our Privacy Policy. Choices Ahead is not a healthcare provider and is not a covered entity under HIPAA. Do not submit sensitive medical information through public forms, review fields, or messages. We may process information you submit to provide platform functionality, improve the experience, and support provider comparisons.

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Reviews, ratings, and other community content reflect the personal opinions and experiences of individual users. We do not endorse, verify, or guarantee the accuracy of user content. We may remove content at our discretion if we believe it is misleading, abusive, unlawful, contains private information, or is inconsistent with platform standards. By submitting content, you grant us a non exclusive, worldwide, royalty free license to display, reproduce, and distribute that content on the platform for platform purposes.

Provider profiles may include summaries, plan information, and public details intended to help users compare options. If you are a provider or authorized representative, you may request edits by submitting a claim request. Claiming a profile does not guarantee approval, verification, or changes. We may approve, reject, delay, request additional verification, or modify or remove provider information at any time.

You agree not to misuse the platform, attempt to disrupt the service, scrape protected data, reverse engineer features, impersonate others, submit false information, or use the platform for unlawful activities. We may restrict access if we believe activity is abusive, harmful, or creates risk for the platform or others.

At this time, users cannot create accounts on Choices Ahead. If you contact us through forms or email, you agree that we may respond using the contact information you provide. You are responsible for ensuring your submissions are accurate and do not contain sensitive personal health information.

The site, its layout, content structure, design elements, written content, and comparison tools are owned by Choices Ahead or licensed to us. You may not reproduce, distribute, scrape, republish, modify, or commercially exploit our content or tools without written permission.

The platform may link to third party websites or services. We do not control those sites and are not responsible for their content, policies, or practices. Your use of third party sites is subject to their terms and policies.

We may suspend, restrict, or terminate access to the platform at any time if we believe a user has violated these terms, created risk for others, or misused the service. We may modify, pause, or discontinue parts of the platform without notice.

Choices Ahead is provided “as is” and “as available.” We make no warranties of any kind, express or implied, including warranties of accuracy, merchantability, fitness for a particular purpose, or non infringement.

To the extent allowed by law, Choices Ahead is not liable for any losses, costs, damages, or claims arising from use of the site, reliance on information displayed, inability to access the site, or interactions with any providers listed. This includes indirect, incidental, consequential, or punitive damages, even if we have been advised of the possibility of such damages.

If you believe content on Choices Ahead infringes your copyright, you may submit a takedown request through our contact form. Provide a description of the work, the location on our site, your contact details, and a statement that you have a good faith belief the use is unauthorized. We may remove content while we review the request.

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Choices Ahead is not intended for children under 13. If you are under 18, you may use the platform only with the involvement of a parent or legal guardian.

You agree that any dispute, claim, or controversy arising out of or relating to your use of Choices Ahead or these terms will be resolved by binding arbitration, and not in court, except that either party may bring claims in small claims court if eligible. Arbitration will be conducted on an individual basis. You and Choices Ahead waive any right to participate in a class action, class arbitration, or representative action. The arbitration will be administered by a recognized arbitration provider and conducted in the state of Florida, unless otherwise required by law. The arbitrator may award the same remedies available in court, but only on an individual basis. If any portion of this section is found unenforceable, the remainder will remain in effect to the fullest extent permitted by law.

These terms are governed by the laws of the State of Florida, without regard to conflict of law principles. If a dispute is permitted to proceed in court, you agree that it will be brought exclusively in the state or federal courts located in Florida, and you consent to personal jurisdiction in those courts.

We are not responsible for delays or failures caused by events beyond our reasonable control, including outages, natural disasters, acts of government, internet disruptions, labor disruptions, or third party service failures.

We may assign or transfer these terms and our rights and obligations under these terms in connection with a merger, acquisition, restructuring, sale of assets, or by operation of law. You may not assign these terms without our written consent.

These terms and any policies referenced in these terms constitute the entire agreement between you and Choices Ahead regarding use of the platform, and supersede any prior or contemporaneous agreements or understandings.

We may update these terms from time to time. Continued use of the site after updates means you accept the revised terms. If we make significant changes, we may provide notice on the site.

We aim to make our platform usable for as many people as possible. Accessibility work is ongoing and may change over time. If you experience difficulty using the site, contact us and we will review your feedback. We do not guarantee that every feature will function perfectly for every device, browser, or assistive technology.

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If you have questions about these terms, reach out through the contact form.