Updated: May 14, 2026
Welcome to Senior Benefit Services, Inc. These Terms & Conditions explain the rules for using our website, contacting our team, submitting information through our forms, and using the information we provide online.
Please read these Terms carefully. By using our website, you agree to these Terms. If you do not agree, please do not use this website.
These Terms are written for general website use and should be reviewed by legal counsel before publication, especially because Senior Benefit Services, Inc. provides insurance-related services in multiple states, including Maryland, Pennsylvania, and Virginia.
Senior Benefit Services, Inc. helps individuals understand and compare Medicare-related insurance options, including Medicare Advantage, Medicare Supplement plans, Medigap plans, Medicare Prescription Drug Plans, and other senior insurance solutions.
We serve clients through multiple office locations, including:
Hagerstown Office
13511 Label Lane, Suite 204
Hagerstown, MD 21740
Phone: (301) 733-0085
Toll Free: (800) 924-4727
Thurmont Office
112A East Main Street
Thurmont, MD 21788
Phone: (301) 271-4040
Cumberland Office
309 Willowbrook Road, Suite 1
Cumberland, MD 21502
Phone: (301) 722-1414
Mt. Pleasant Office
814 Johnnie Dodds Blvd A
Mt Pleasant, SC 29464
Phone: (800) 924-4727
The information on this website is provided to help explain Medicare, insurance options, retirement-related planning topics, and related services in plain English.
We do our best to keep information accurate and useful, but Medicare rules, insurance plans, premiums, benefits, provider networks, formularies, carrier guidelines, and state requirements can change.
Information on this website should not be treated as a final recommendation for your specific situation.
Before making a decision, you should speak directly with a licensed insurance professional who can review your individual needs, budget, prescriptions, doctors, health status, location, and eligibility.
Nothing on this website is intended to provide legal, tax, medical, financial, or government benefits advice.
Insurance and Medicare decisions can affect your health coverage, budget, enrollment rights, penalties, provider access, and prescription drug coverage.
You should consult the appropriate professional or government resource for advice related to your specific situation.
Senior Benefit Services, Inc. is not connected with, endorsed by, or acting on behalf of the United States government, the federal Medicare program, the Centers for Medicare & Medicaid Services, the Social Security Administration, or any other government agency.
Medicare has neither reviewed nor endorsed the information on this website.
For official Medicare information, you may contact Medicare directly at 1-800-MEDICARE or visit Medicare.gov.
Medicare Advantage and Medicare Prescription Drug Plan information may be subject to federal Medicare marketing rules, carrier requirements, and Third-Party Marketing Organization requirements.
Plan availability, premiums, benefits, prescription drug coverage, provider networks, pharmacy networks, service areas, enrollment periods, copays, coinsurance, deductibles, prior authorization rules, and maximum out-of-pocket limits may vary by state, county, carrier, plan, and individual eligibility.
Not every plan is available in every area.
If this website includes information about Medicare Advantage or Medicare Prescription Drug Plans, additional plan-specific or CMS-required disclaimers may apply. Any such disclaimer should be reviewed and confirmed with compliance counsel, carriers, or the appropriate Medicare compliance resource before publication.
We may provide examples, comparisons, case studies, plan information, pricing information, or general illustrations. These are for informational purposes only.
We do not guarantee that:
Every person’s situation is different. The right answer for one person may not be the right answer for someone else.
Insurance products and services are offered only in states where Senior Benefit Services, Inc. and its representatives are properly licensed.
Product availability, plan options, premiums, benefits, underwriting rules, enrollment periods, and approval requirements may vary by Maryland, Pennsylvania, Virginia, other states, county, carrier, and individual eligibility.
Not all representatives may be licensed in every state. Not all products may be available in every state, county, or service area.
Any application for insurance is subject to the terms, conditions, limitations, exclusions, underwriting rules, enrollment rules, and approval requirements of the insurance carrier.
Because Senior Benefit Services, Inc. may provide services to residents of Maryland, Pennsylvania, Virginia, and other states, the information on this website should be understood as general information unless a licensed representative confirms how it applies to your state and personal situation.
Medicare Supplement, Medicare Advantage, Medicare Prescription Drug Plans, and other insurance products can vary by state, county, service area, and carrier.
For Maryland, Pennsylvania, and Virginia residents, state insurance laws, consumer protection rules, licensing requirements, privacy rights, and product availability may affect the services and information provided.
Medicare Advantage and Medicare Prescription Drug Plans may have specific enrollment periods, service areas, provider networks, drug formularies, pharmacy networks, copays, coinsurance, deductibles, prior authorization rules, and maximum out-of-pocket limits.
These items can change from year to year.
You should review the official plan documents before enrolling in or changing coverage.
Medicare Supplement and Medigap plans are designed to help pay certain costs that Original Medicare does not pay.
Benefits are standardized by plan letter in most states, but premiums, underwriting requirements, household discounts, rate increases, carrier availability, and enrollment protections can vary by state and individual situation.
Depending on your situation and state, you may be subject to medical underwriting unless you are in a guaranteed issue period, open enrollment period, or another protected enrollment situation.
When you submit information through our website, you agree that the information you provide is accurate and complete to the best of your knowledge.
By submitting a form, requesting a quote, scheduling an appointment, calling us, emailing us, texting us, or otherwise providing your contact information, you authorize Senior Benefit Services, Inc. and its licensed representatives to contact you using the information you provided.
This contact may include phone calls, emails, text messages, voicemail, or other contact methods, subject to applicable law.
Consent to be contacted is not a condition of purchasing any product or service.
Message and data rates may apply for text messages.
You may opt out of future communications at any time by following the instructions in the communication or contacting us directly.
Your use of this website is also subject to our Privacy Policy.
Our Privacy Policy should explain what personal information we collect, how we use it, how we share it, how long we keep it, and what choices or rights may be available to you.
Residents of Maryland and Virginia may have additional consumer data rights if the business meets the legal thresholds under applicable state privacy laws.
Pennsylvania does not currently have the same type of comprehensive consumer privacy law as Maryland or Virginia, but Pennsylvania residents may still have rights under other applicable federal or state laws.
Please review our Privacy Policy for more detail.
We may contact you to respond to your request, provide information, discuss coverage options, schedule appointments, follow up on applications, provide service, complete annual reviews, or share information that may be relevant to your insurance needs.
You may ask us to stop contacting you at any time by calling us at (800) 924-4727 or following any unsubscribe or opt-out instructions included in our communications.
Our website may include links to third-party websites, including insurance carriers, government resources, review platforms, scheduling tools, maps, video platforms, or other outside resources.
We provide these links for convenience only.
We do not control third-party websites and are not responsible for their content, privacy practices, accuracy, accessibility, security, or availability.
When you leave our website, you should review the terms and privacy policies of the website you are visiting.
Unless otherwise noted, the content on this website, including text, graphics, logos, images, videos, page layouts, and other materials, belongs to Senior Benefit Services, Inc. or is used with permission.
You may view, print, or share content for personal, non-commercial use.
You may not copy, reproduce, modify, distribute, sell, or use website content for commercial purposes without written permission from Senior Benefit Services, Inc.
You agree not to use this website to:
We work to keep our website available and functioning properly, but we cannot guarantee that it will always be uninterrupted, error-free, secure, or available at all times.
We may update, change, suspend, or remove website content at any time without notice.
This website and its content are provided “as is” and “as available.”
To the fullest extent allowed by law, Senior Benefit Services, Inc. disclaims all warranties, express or implied, including warranties of accuracy, completeness, merchantability, fitness for a particular purpose, non-infringement, and uninterrupted availability.
To the fullest extent allowed by law, Senior Benefit Services, Inc., its owners, officers, employees, agents, representatives, and affiliates will not be liable for damages arising from your use of this website, your reliance on website information, website interruptions, errors, third-party links, or unauthorized access to data.
This limitation applies to direct, indirect, incidental, consequential, special, punitive, or other damages, even if we were advised that such damages could occur.
Some jurisdictions do not allow certain limitations of liability, so some limitations may not apply to you.
We may update these Terms from time to time.
When we do, we will update the effective date at the top of this page.
Your continued use of the website after changes are posted means you accept the updated Terms.
These Terms are governed by the laws of the State of Maryland, without regard to conflict of law rules, unless another jurisdiction is required by applicable law.
If you live outside Maryland, including Pennsylvania or Virginia, you may also have rights under the laws of your state that cannot be waived by these Terms.
If you have questions about these Terms & Conditions, please contact us:
Senior Benefit Services, Inc.
13511 Label Lane, Suite 204
Hagerstown, MD 21740
Phone: (301) 733-0085
Toll Free: (800) 924-4727
Website: https://seniorbenefitclient.com/
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