Terms of Use

This Site is provided for informational purposes and to facilitate contact with a licensed independent Medicare insurance agent. You agree to use the Site only for lawful purposes and in a manner that does not infringe the rights of others or restrict their use of the Site.

You agree not to:

• Submit false, misleading, or fraudulent information through any form on the Site.
• Attempt to gain unauthorized access to any part of the Site or its related systems.
• Use automated tools (bots, scrapers, crawlers) to extract content from the Site without our written permission.
• Transmit any harmful, offensive, or disruptive content.

MR Health Insurance is an independent insurance agency and is not affiliated with Medicare, Medicaid, or any U.S. Government agency. The information on this Site is provided for general educational purposes and does not constitute official Medicare guidance. For official Medicare information, visit medicare.gov.

By submitting a contact form or calling us, you acknowledge that this constitutes a solicitation for insurance products. Murray Herstein is licensed to sell Medicare insurance products in Minnesota, Wisconsin, North Dakota, Colorado, Arizona, South Dakota, Ohio, and Florida (NPN: 569511 | MN License #1007267). Plan availability varies by location.

Information on this Site regarding Medicare plans, premiums, benefits, and availability is subject to change. Plan details are determined by the applicable insurance carrier and CMS regulations. Nothing on this Site constitutes a binding offer or guarantee of coverage, pricing, or enrollment.

The Site may contain links to third-party websites, including insurance carrier sites and enrollment platforms (e.g., PlanEnroll). These links are provided for convenience only. We do not control, endorse, or assume responsibility for the content, privacy practices, or terms of any third-party site. Your use of third-party sites is at your own risk.

All content on this Site — including text, graphics, logos, and page layouts — is owned by or licensed to MR Health Insurance and is protected by applicable copyright and trademark laws. You may not reproduce, distribute, or create derivative works from any Site content without our prior written consent.

The Site and its content are provided on an "as is" and "as available" basis without warranties of any kind, express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, or non-infringement. We do not warrant that the Site will be uninterrupted, error-free, or free of viruses or other harmful components.

To the fullest extent permitted by law, MR Health Insurance and Murray Herstein shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of, or inability to use, the Site or its content — even if we have been advised of the possibility of such damages.

You agree to indemnify and hold harmless MR Health Insurance, Murray Herstein, and any affiliated parties from any claims, losses, damages, or expenses (including reasonable attorneys' fees) arising from your use of the Site or violation of these Terms.

These Terms are governed by the laws of the State of Minnesota, without regard to its conflict-of-law provisions. Any disputes arising under these Terms shall be resolved in the state or federal courts located in Hennepin County, Minnesota.

We reserve the right to update these Terms at any time. The "Last updated" date at the top of this page reflects the most recent revision. Continued use of the Site after changes are posted constitutes your acceptance of the revised Terms.

If you have questions about these Terms, please contact us: