The terms behind this reading

Opening this site means accepting the terms set out on this page. They apply to every page, every form and every message sent through the site, whether or not an account has been created.

Where any part of these terms does not sit right, the appropriate step is to stop using the site rather than to continue on different assumptions.

AlexMedic publishes plain language reading about Medicare coverage. Pages describe how the parts fit together, what a plan tends to pay toward, how plan types differ and when enrollment windows open.

The material is general. It is written for a wide audience and cannot account for the doctors you see, the medicine you carry or the plans sold in your area. Nothing here is an offer of insurance, an application for coverage or a recommendation of a particular plan.

Nothing on this site replaces advice from a licensed professional. Coverage decisions carry consequences for cost and for care, and those consequences depend on details a general page cannot see.

• Check plan documents issued by the insurer before relying on any figure.
• Confirm doctor and pharmacy participation directly with the plan and the practice.
• Confirm enrollment windows against official Medicare guidance before acting.

Creating an account means giving accurate details and keeping the password private. Activity that takes place under an account is treated as belonging to the account holder.

Access may be suspended or removed where details are false, where the site is misused or where an account appears to be shared or compromised.

The site is offered for personal reading and enquiry. The following are not permitted.

• Copying or republishing page content for commercial use without written permission.
• Automated collection of pages, including scraping and bulk downloading.
• Attempts to reach accounts, systems or data belonging to anyone else.
• Uploading anything harmful, unlawful or designed to disrupt the site.
• Using the forms to send unsolicited advertising or repeated nuisance messages.

Text message permissions taken on the sign up form are optional and are recorded separately. Service messages relate to a submitted request. Marketing messages describe plan options and offers.

Message frequency varies and standard message and data rates may apply. Replying STOP ends that stream of messages and replying HELP returns support information. Consent is never a condition of using this site.

The text, layout, images, icons and code on this site belong to their respective owners and are protected by law. A page may be read, printed for personal reference and linked to freely.

Reproducing pages elsewhere, altering them or presenting them as another party's work is not permitted without written consent.

Links point to official Medicare resources, insurer documents and other outside material for convenience. Those destinations are run by others under their own terms, and their accuracy and availability sit outside the control of this site.

Pages are kept online and up to date as far as is practical, but access can be interrupted by maintenance, technical faults or matters beyond reasonable control. Content can also be revised or withdrawn without notice as coverage rules change.

The site is provided as it stands. To the fullest extent the law allows, no liability is accepted for loss arising from reliance on general reading, from an interruption in access or from a decision taken without confirming the details with the insurer or with official guidance.

Where misuse of the site, a breach of these terms or a violation of another party's rights leads to a claim, the person responsible agrees to cover the resulting costs, including reasonable legal expenses.

Any dispute arising from this site or from these terms is to be settled by binding arbitration on an individual basis rather than in court, and rather than as part of a class or representative action. The arbitration takes place under the rules of a recognised arbitration body, and the decision reached is final.

This agreement does not prevent either side from bringing a qualifying matter in small claims court, and it does not remove any right that cannot lawfully be waived.

These terms are governed by the laws of the State of Ohio, without regard to conflict of law principles. Where arbitration does not apply, matters fall to the courts sitting in that state.

These terms are revised as the site changes. The date shown at the top of this page marks the current version, and continued use after a revision means the updated terms are accepted.

Questions about these terms can be sent using the details below.