Effective date: July 2, 2026

These Terms & Conditions ("Terms") govern your access to and use of the website and services of Ascend Health Consultants ("Ascend," "we," "us," or "our"). Please read them carefully.

1. Acceptance of Terms

These Terms apply when you submit a quote request or book a call. We link to them next to the submit button on our quote form.

2. About Our Services

Ascend Health Consultants is an independent insurance agency that works with licensed insurance agents. We help individuals and families compare and enroll in health and related insurance products offered by third-party insurance carriers. We are not an insurance company. We do not issue policies, underwrite coverage, or pay claims. Any policy you purchase is a contract between you and the issuing carrier, and the carrier's terms, conditions, and pricing govern that coverage.

3. No Professional Advice

The content on our website is provided for general informational purposes only and does not constitute insurance, legal, financial, tax, or medical advice. Insurance needs vary by individual circumstance. You should evaluate your own situation and, where appropriate, consult a qualified professional before making coverage decisions.

4. Eligibility

You must be at least 18 years old and a resident of the United States to use our services. By using the site, you represent that you meet these requirements and that the information you provide is accurate and complete.

5. Licensing

Ascend Health Consultants LLC is a Florida limited liability company and a licensed insurance agency. We work with multiple insurance carriers to help individuals and families find coverage. Our licensed agents are licensed in all 50 states (not the District of Columbia). Products and availability vary by state. Licensing details are available upon request.

6. Quotes & Accuracy

Any quotes, premium estimates, or plan details presented through our site or by our consultants are estimates based on the information available and are not a guarantee of coverage or final pricing. Final eligibility, rates, and terms are determined by the insurance carrier through its own underwriting and enrollment process.

7. Your Responsibilities

You agree to provide accurate, current, and complete information and to use our website only for lawful purposes. You agree not to misuse the site, interfere with its operation, attempt to gain unauthorized access to any systems or accounts, or use any automated means to access the site in a manner that burdens our infrastructure.

8. Communications Consent

Calls, texts and emails. When you request a quote, a licensed agent or our automated assistant may contact you about your request. Our quote form also has an optional consent box: checking it means you agree to calls and texts made with an automated system or an artificial, prerecorded or AI-generated voice, and to emails about health insurance options, including marketing emails. That consent is not a condition of any purchase. You can opt out of texts at any time by replying STOP, or withdraw consent by telling an agent or emailing contact@ascendhealthconsultants.com. Message and data rates may apply; message frequency varies. You can unsubscribe from marketing emails using the link in any email. See our Privacy Policy for details.

9. Intellectual Property

All content on this website — including text, graphics, logos, the Ascend name and marks, and design — is owned by or licensed to Ascend Health Consultants and is protected by applicable intellectual property laws. You may not copy, reproduce, distribute, or create derivative works from our content without our prior written permission.

10. Third-Party Links & Services

Our site may link to or interact with third-party websites and services, including insurance carriers and technology providers. We do not control and are not responsible for the content, products, or practices of those third parties. Your use of third-party services is governed by their own terms and policies.

11. Disclaimers

Our website and services are provided on an "as is" and "as available" basis without warranties of any kind, whether express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that the site will be uninterrupted, error-free, or free of harmful components, or that any information provided is complete or current.

12. Limitation of Liability

To the fullest extent permitted by law, Ascend Health Consultants and its owners, employees, and agents will not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or data, arising out of or related to your use of (or inability to use) our website or services. Our total liability for any claim relating to the site or services will not exceed the amount you paid us, if any, for the services giving rise to the claim.

13. Indemnification

You agree to indemnify and hold harmless Ascend Health Consultants and its owners, employees, and agents from any claims, losses, liabilities, and expenses (including reasonable attorneys' fees) arising out of your use of the site, your violation of these Terms, or your violation of any rights of a third party.

14. Governing Law

These Terms are governed by the laws of the State of Florida, without regard to its conflict-of-laws principles. You agree that any dispute arising out of or relating to these Terms or your use of our services will be subject to the exclusive jurisdiction of the state and federal courts located in Florida, unless otherwise required by applicable law.

15. Changes to These Terms

We may update these Terms from time to time. When we do, we will revise the "Effective date" above. Your continued use of the site after changes take effect constitutes acceptance of the updated Terms.

16. Contact Us

If you have questions about these Terms, you can reach us at:

Ascend Health Consultants
Accessibility help: see our accessibility statement
Email: contact@ascendhealthconsultants.com
Or use the contact form on our website.