I provide educational guidance on health insurance options and assist clients in understanding available coverage. However, I do not provide legal, tax, financial, or medical advice. The information shared on this website, during consultations, or via social media is for informational purposes. For specific concerns, consumers should consult with licensed attorneys, tax professionals, or financial advisors.
Consumers should carefully read all policy documentation provided by their chosen insurer before making a final decision.
Booking a consultation does not guarantee eligibility or approval for a health insurance plan. All policies are subject to underwriting, insurer approval, provider availability, and state regulations. Plan details, pricing, provider networks, and availability may change without notice, and I am not responsible for these changes. Consumers are advised to review all terms and conditions of a policy before enrolling.I do not guarantee that any specific plan, price, or network inclusion will remain available at any given time. The final approval, terms, conditions, and costs are determined solely by the insurance provider. It is the consumer’s responsibility to confirm any details directly with the insurance carrier.
Consumers are solely responsible for verifying plan details, coverage, pricing, and network participation before making a final decision. While I strive to provide the most up to date and accurate information, I cannot guarantee that all details will remain current. Any decisions made based on the information provided are at the consumer’s discretion, and I am not liable for those choices.It is the consumer’s responsibility to ensure that their selected health insurance plan meets their personal, medical, and financial needs. Consumers should not rely solely on the information provided in consultations but should independently research their options and confirm coverage details with the insurer before making a commitment.
I do not process claims, handle billing disputes, or interact with insurers regarding claim approvals or denials. Provider networks are subject to change, and consumers should verify participation with the insurer and healthcare provider directly. I am not responsible for any miscommunications between consumers and their insurance providers. I make no guarantees regarding the accuracy of a provider directory or network inclusion. Consumers must confirm provider acceptance directly with the insurer and the healthcare provider prior to receiving medical services. I am not responsible for out-of-network charges, denied claims, or any other financial consequences stemming from provider network changes.
Consultations are complementary and do not require the consumer to purchase a policy. My role is to provide clear, unbiased guidance, and there is no pressure to enroll in any particular plan. Consumers have the right to seek alternative insurance options.Any recommendations made during consultations are based on available information at the time and should not be interpreted as a requirement to enroll in a specific plan. Consumers should take adequate time to review and compare multiple options before making a decision.
I am licensed to provide health insurance guidance in the following states: al, ar, co, de, fl, ga, ia, il, in, ks, ky, la, md, mi, mo, ms, mt, nc, ne, nv, oh, ok, sc, sd, tn, tx, ut, va, wv, wy.
If you reside outside these states, I may not be able to provide direct plan recommendations. However, I may be able to offer general guidance and direct you to appropriate resources. Consumers should be aware that insurance laws, regulations, and availability differ by state. I cannot guarantee that the plans discussed will be available in all listed states at all times. Final plan offerings and availability are determined by the insurer.
The information shared on social media, email, and marketing materials is for educational purposes only and may not always reflect the most current health insurance regulations, pricing, or plan details. Consumers should always verify information with their insurance provider before making a decision. I am not responsible for outdated or misinterpreted information found on social media platforms.No content shared on social media should be interpreted as an endorsement of a particular policy, company, or insurance product. Any opinions expressed are personal and do not reflect the official stance of any insurance carrier.
My website, emails, and social media may include links to third-party websites and resources for informational purposes only. I am not responsible for the accuracy, policies, or services of third-party websites. Consumers should review their terms and privacy policies independently.I do not endorse or assume liability for any third-party services, products, or information. External links are provided for convenience and should not be seen as a recommendation or warranty of their accuracy.
By booking an appointment, submitting an inquiry, or messaging me, you agree to receive calls, texts, or emails regarding health insurance options. Standard messaging and data rates may apply. You may opt out at any time by following the provided instructions.
Certain health plans may not include ACA-mandated benefits, such as maternity care, mental health services, or coverage for pre-existing conditions. Consumers should carefully evaluate policy terms before enrolling. I do not guarantee coverage for specific medical services or procedures.
Claims & Approvals: I do not determine or influence insurance company decisions on claims approvals, denials, coverage disputes, or premium adjustments.Policy Termination or Changes: Insurance companies may modify, cancel, or adjust policies at their discretion. I am not responsible for these changes.
By using my services, consumers agree to hold me (health advisor ashley) harmless from any damages, losses, or liabilities resulting from their health insurance decisions. I am not responsible for any financial, medical, or legal consequences of a consumer’s chosen health plan.
Jurisdiction: Any disputes arising from my services will be governed by the appropriate state laws. Dispute Resolution: Consumers agree to attempt mediation or arbitration before pursuing legal action