A Health Insurance Agency · Non-Government Entity
Connect with a Licensed Insurance Agent 858-774-7327 TTY: 711 · Mon–Fri 9am–9pm, Sat–Sun 10am–7pm ET

Terms of Service

Effective Date: March 12, 2026

Welcome to the Grace Rose Health Consultants website. By accessing or using this website, you agree to be bound by the following Terms of Service. If you do not agree with these terms, please do not use this website.

1. Nature of Our Services

Grace Rose Health Consultants is a licensed health insurance agency. We are not a health insurance carrier, a government agency, or affiliated with any government program. We operate as a Third Party Marketing Organization (TPMO) and connect Medicare-eligible individuals with Medicare Advantage, Medicare Supplement, and Prescription Drug Plan options from the carriers we represent.

2. TPMO Status & Carrier Representation

Grace Rose Health Consultants currently represents Humana and UnitedHealthcare. We do not offer every plan available in your area. Currently we represent 2 organizations which offer 49 products in your area. Please contact Medicare.gov, 1-800-MEDICARE (TTY: 1-877-486-2048), or your local State Health Insurance Program (SHIP) to get information on all of your options.

In the states of Florida and Oregon, we are licensed as Grace Rose Health Insurance.

3. No Guarantee of Eligibility, Benefits, or Savings

Plan availability, benefits, premiums, and cost-sharing vary by plan, county, and year. Any information presented on this website is for general informational purposes and is subject to change. We do not guarantee that:

  • You will be eligible for any specific plan or benefit.
  • Any particular premium, copay, or cost-sharing amount will apply to you.
  • You will achieve any specific savings compared to your current coverage.

Plan details are confirmed during the enrollment process. All plan information is subject to the plan’s contract renewal with Medicare.

4. Not Medical, Legal, or Financial Advice

The consultations and information provided by Grace Rose Health Consultants are educational and informational in nature. They do not constitute medical advice, legal counsel, or financial planning. We encourage you to consult with your physician, attorney, or financial advisor regarding any decisions related to your health care or finances.

5. User Responsibilities

When using our website or speaking with our agents, you agree to:

  • Provide accurate, complete, and current information.
  • Not misrepresent your identity or eligibility status.
  • Use the website only for lawful purposes and in compliance with all applicable laws.
  • Not attempt to interfere with, disrupt, or compromise the website’s security or functionality.

6. Intellectual Property

All content on this website—including text, graphics, logos, images, and design elements—is the property of Grace Rose Health Consultants or its licensors and is protected by applicable intellectual property laws. You may not reproduce, distribute, or create derivative works from any content on this website without our prior written consent.

7. Limitation of Liability

To the fullest extent permitted by law, Grace Rose Health Consultants, its owner, agents, and employees shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of this website or our services. Our total liability for any claim arising from your use of the website shall not exceed the amount you paid to us, if any, in the preceding twelve months.

This website and its content are provided “as is” without warranties of any kind, either express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, or non-infringement.

8. Third-Party Links

Our website may contain links to third-party websites (e.g., Medicare.gov, carrier websites). These links are provided for your convenience. Grace Rose Health Consultants is not responsible for the content, privacy practices, or accuracy of third-party websites. Accessing third-party links is at your own risk.

9. Privacy

Your use of this website is also governed by our Privacy Policy, which describes how we collect, use, and protect your personal information.

10. Governing Law

These Terms of Service shall be governed by and construed in accordance with the laws of the State of Florida, without regard to its conflict of law provisions. Any disputes arising under these terms shall be resolved in the courts located in the State of Florida.

11. Changes to These Terms

We reserve the right to update or modify these Terms of Service at any time. Any material changes will be reflected by updating the “Effective Date” at the top of this page. Your continued use of the website after changes are posted constitutes your acceptance of the revised terms.

12. Contact Us

Grace Rose Health Consultants

Phone: 858-774-7327 (TTY: 711)

Hours: Mon–Fri 9am–9pm, Sat–Sun 10am–7pm ET

Website: gracerosehealth.net