1. General Information
The information provided on this website is intended for general educational and informational purposes. CRM Group, LLC (“CRM Group”) makes reasonable efforts to provide information that is helpful, understandable, and current, but the content should not be treated as individualized professional advice.
Website information does not account for every person’s health needs, financial circumstances, eligibility, location, existing coverage, providers, prescriptions, or personal preferences. You should review your individual circumstances with an appropriately licensed professional before making an insurance or financial decision.
2. Independent Insurance Agency
CRM Group is an independent insurance agency. Insurance products and services are offered through licensed insurance agents in jurisdictions where they are properly licensed and authorized to conduct business.
CRM Group is not an insurance carrier and does not issue insurance policies, determine claims, establish premiums, set plan benefits, make underwriting decisions, or control carrier operations.
The availability of an agent or product through CRM Group does not guarantee that the agent is authorized to offer every carrier or product available in your location.
3. No Government Affiliation
CRM Group is not affiliated with, endorsed by, or operated by the United States government, the Centers for Medicare & Medicaid Services, Medicare, Medicaid, the Social Security Administration, HealthCare.gov, or any federal or state health insurance marketplace.
References or links to government programs and websites are provided for educational purposes and convenience. Government agencies have not reviewed, approved, or endorsed CRM Group’s Website or services.
4. Medicare Information
Medicare information presented on the Website is intended to help consumers better understand general Medicare concepts, coverage paths, costs, and enrollment periods.
Medicare rules, costs, plan benefits, provider networks, drug formularies, service areas, and enrollment requirements can change. Information on the Website does not replace official Medicare publications, plan documents, or guidance from Medicare.
CRM Group does not offer every plan available in every area. Information provided by CRM Group is limited to the insurance organizations, products, and plans that CRM Group and its licensed agents are authorized to represent.
For information about all Medicare options available in your area, visit Medicare.gov or call 1-800-MEDICARE.
5. Insurance Product Availability
Insurance products, premiums, benefits, exclusions, limitations, eligibility requirements, provider networks, prescription formularies, and coverage rules vary by carrier, state, county, service area, and individual circumstances.
A product or coverage option discussed on the Website may not be available in your area or appropriate for your needs. Product descriptions are summaries only and may not include every term, limitation, exclusion, condition, or eligibility requirement.
The applicable insurance policy, Evidence of Coverage, Summary of Benefits, carrier contract, or other official plan document controls the actual terms of coverage.
6. No Offer or Guarantee of Coverage
Nothing on the Website constitutes an offer to issue insurance, confirmation of eligibility, approval of an application, guarantee of enrollment, or promise that coverage will become effective.
Submitting a contact form, requesting a quote, speaking with an agent, or receiving information does not create or activate insurance coverage. Coverage becomes effective only after all applicable enrollment requirements are completed and the insurance carrier or government program confirms enrollment or issues coverage.
CRM Group cannot guarantee that an application will be accepted, that a particular premium will apply, or that a requested effective date will be approved.
7. Quotes, Illustrations, and Estimates
Any quote, cost estimate, benefit summary, comparison, projection, or illustration provided through the Website or by an agent is based on the information available at that time.
Quoted premiums and estimated benefits may change after additional information is reviewed or when the carrier verifies eligibility, underwriting information, household information, income, age, location, tobacco use, health information, or other relevant factors.
A quote or illustration is not an insurance contract. Final terms are determined by the issuing insurance carrier and the applicable policy documents.
8. Life Insurance and Annuity Information
Information about life insurance, annuities, retirement planning concepts, or related products is provided for general educational purposes and is not individualized investment, legal, or tax advice.
Life insurance approval and pricing may depend on underwriting and other carrier requirements. Annuity guarantees are subject to the terms of the applicable contract and the claims-paying ability of the issuing insurance company.
Tax treatment varies by product and individual circumstances. Consumers should consult a qualified tax, legal, or financial professional before making decisions involving taxes, estate planning, investments, or retirement assets.
9. Health and Medical Information
The Website may discuss healthcare services, prescription drug coverage, provider networks, preventive care, or other health-related topics in the context of insurance coverage.
This content is not medical advice and should not be used to diagnose, treat, prevent, or manage a medical condition. Questions about your health, medications, or treatment should be directed to a qualified healthcare professional.
In an emergency, contact emergency services or seek immediate medical attention.
10. Accuracy and Updates
CRM Group makes reasonable efforts to keep Website information accurate and current. However, information may become outdated because of regulatory changes, annual benefit updates, carrier changes, government announcements, or other developments outside CRM Group’s control.
We do not guarantee that all content is complete, current, or free from typographical, technical, or factual errors. Dates, costs, enrollment rules, coverage amounts, plan details, and other time-sensitive information should be confirmed using current official sources.
CRM Group may update, correct, or remove Website content at any time without prior notice.
11. Third-Party Websites and Resources
The Website may link to government agencies, insurance carriers, provider directories, pharmacy tools, social media platforms, or other third-party websites.
CRM Group does not control these third-party resources and is not responsible for their content, accuracy, accessibility, security, availability, or privacy practices. Third-party websites may change without notice and are governed by their own terms and policies.
A link to a third-party website does not necessarily mean that CRM Group endorses every statement, product, or service available through that website.
12. Reviews and Testimonials
Reviews and testimonials appearing on the Website reflect the personal experiences and opinions of the individuals who provided them.
Individual experiences vary. A review or testimonial does not guarantee that another person will receive the same service experience, insurance outcome, premium, product availability, or coverage result.
Reviews may be obtained from third-party platforms and may be displayed with limited editing for formatting, length, spelling, or privacy, without changing the substance of the reviewer’s comments.
13. Communications Through the Website
Submitting information through the Website authorizes CRM Group to route your request to an appropriate licensed agent or representative and contact you about the products, services, or questions identified in your request.
Website communications, emails, and text messages should not be used to transmit Social Security numbers, Medicare identification numbers, payment information, detailed medical records, or other highly sensitive information unless CRM Group or a licensed agent provides an appropriate method for doing so.
Submitting a request does not create coverage, guarantee a response within a particular period, or establish an insurance or advisory relationship.
14. Decisions and Reliance on Website Content
You are responsible for reviewing all applications, enrollment confirmations, policy documents, carrier communications, and official coverage materials for accuracy.
You should not cancel, replace, or allow existing insurance coverage to lapse until you have confirmed the effective date and terms of any replacement coverage.
To the fullest extent permitted by law, CRM Group is not responsible for losses resulting from decisions made solely in reliance on general Website content, outdated information, third-party resources, or information that has not been verified against official policy or plan documents.
15. Additional Policies
Use of the Website is also governed by CRM Group’s Terms and Conditions and Privacy Policy. Those documents contain additional information about Website use, privacy practices, communications, intellectual property, and limitations of liability.
If information on this Disclaimer conflicts with an official insurance policy, plan document, carrier contract, government publication, or applicable law, the official document or applicable law controls.
16. Contact Us
If you have questions about this Disclaimer or information presented on the Website, contact:
CRM Group, LLC
2036 S Eagle Road
Meridian, Idaho 83642
Phone: (208) 314-1779
Email: contact@crmgrp.com