Legal and Licensing

Welcome to Healthi.com, a web site where consumers and small businesses can research and shop for various insurance products. The web site is owned and operated by Healthi.com. (hereinafter, the “Company” or “Healthi.com”), a licensed insurance agency. The Company provides its services to you subject to the following conditions. If you visit or shop at Healthi.com, you accept these conditions. Please read them carefully.

Legal Jurisdictions Only
The insurance services and products described on this web site are only for persons in those states and jurisdictions where such products and services may legally be sold. Nothing on this web site shall be considered a solicitation to buy or an offer to sell any products or services to any person in any jurisdiction where such offer, solicitation, purchase or sale would be unlawful.

Use Limitation
This web site is for the use of consumers and small businesses who are researching and shopping for insurance products. You are not permitted to use this web site or its contents for any commercial or non-personal purpose (direct or indirect). The Company reserves the right to prevent any party who engages in such non-permitted use(s) from accessing this web site.

Copyrights
All content included on this site, such as text, graphics, logos, button icons, images, audio clips, digital downloads, data compilations, and software, is the property of the Company or its content suppliers and protected by United States and international copyright laws. The compilation of all content on this site is the exclusive property of the Company and protected by United States and international copyright laws. All software used on this site is the property of the Company or its software suppliers and protected by United States and international copyright laws. Report a claim of copyright infringement.

Usage
If you use this web site, you are responsible for maintaining the confidentiality of your account and password and for restricting access to your computer, and you agree to accept responsibility for all activities that occur under your account or password. Further, by using this web site, you warrant that you are at least 18 years of age and possess the legal authority to use this web site. The Company does not sell products to minors, but it sells them to adults. If you are purchasing a product on behalf of a minor, you agree to supervise all usage of this web site by minors under your name or account. The Company reserves the right to refuse service, terminate accounts or remove or edit content in its sole discretion.

Disclaimer of Warranties and Limited Liability

This web site is provided by the company on an “as is” and “as available” basis. The company makes no representations or warranties of any kind, express or implied, as to  the operation of this site or the information, content, materials, or products included on this site. You expressly agree that your use of this site is at your sole risk. Any links to other web sites are provided as a courtesy. They are not intended to nor do they constitute an endorsement by the company of the linked materials. To the full extent permissible by applicable law, the company disclaims all warranties, express or implied, including, but not limited to, implied warranties of merchantability and fitness for a particular purpose. The company does not warrant this site, its servers, or e-mail sent from the company are free of viruses or other harmful components. The company will njot be liable for any damages of any kind arising from the use of this site, including, but not limited to direct, indirect, incidental, punitive, and consequential damages, even if the company is made aware of the possibility of such damages. 

Certain state laws do not allow limitations on implied warranties or the exclusion or limitation of certain damages. If these laws apply to you, some or all of the above disclaimers, exclusions, or limitations may not apply to you, and you might have additional rights.

Applicable Law
By visiting Healthi.com, you agree that the laws of the state of California, without regard to principles of conflict of laws, will exclusively govern these Legal and Licensing terms and any dispute of any sort that might arise between you and the Company.

Existing Insurance Coverage
Do not cancel any existing insurance until you receive written confirmation from the insurance company to which you are applying that your new policy is in effect.

Licensing
This web site is brought to you by the following licensed brokers in each respective state which require insurance transactions to be conducted through a licensed agent/broker. Each agent/broker is associated with Healthi.com, a California corporation headquartered at:

Healthi.com
2048 S. Hacienda Blvd.
Hacienda Heights, CA 91745

Tel: (800) 681-8288
Fax: (626) 369-7539

The open enrollment period for health insurance is currently closed (the next open enrollment period will be in the fall of 2014), but you may enroll in a Covered California health insurance plan now if you experience a qualifying life event.

Common types of qualifying life events for special enrollment:

  • • You get married or enter into a domestic partnership.
  • • You have or adopt a child, receive a child into foster care, or you place a child in adoption or in a foster home.
  • • You change where you permanently live (in-state, out-of-state, released from prison), gaining more options for Covered California health insurance plans.
  • • You lose your health coverage - no longer eligible for Medi-Cal or you lose health coverage through your job.
  • • Your income changes so much that you become newly eligible or ineligible for help paying for your insurance.
  • • You become a citizen, national or lawfully present individual.
  • • Your enrollment was wrong, due to the misconduct or misrepresentation of your health insurance company, Covered California or a non-Covered California entity (such as a Certified Enrollment Counselor).
  • • You applied for health coverage before March 31 and were denied for Medi-Cal after March 31.
  • • You are a member of a federally recognized American Indian or Alaska Native tribe.
  • • Covered California can also determine, on a case-by-case basis, that you experienced an exceptional circumstance, which could allow for a special enrollment period.
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