Terms of Service

Effective Date: September 17, 0225

Welcome to Oklahoma Health Options. These Terms of Service (“Terms”) govern your use of our website and services. By accessing or using our website, scheduling an appointment, or working with our licensed agents, you agree to these Terms. Please read them carefully.

1. Who We Are

Oklahoma Health Options (“we,” “our,” “us”) is a licensed health insurance brokerage. We help individuals, families, and small businesses explore health insurance plans, including Marketplace (ACA), private, and supplemental options. We do not underwrite or issue insurance policies — all insurance is provided by third-party carriers.

2. Eligibility

By using our services, you represent that you:

Are at least 18 years old, or the age of majority in your state.
Will provide accurate, complete, and current information during consultations and applications.
Are legally able to enter into contracts.

3. Our Services

We provide:

Health insurance consultations.
Plan comparisons and enrollment assistance.
Guidance on Marketplace (ACA) plans and alternatives.
Support with understanding networks, coverage, and benefits.

We may also provide educational resources. These are for informational purposes only and should not be considered legal, financial, or tax advice.

4. No Guarantee of Coverage or Savings

We cannot guarantee approval for any insurance plan or the availability of specific benefits, doctors, or networks. Premiums, coverage, and eligibility are determined solely by the insurance carrier and government regulations.

5. Your Responsibilities

You agree to:

Provide accurate information for insurance applications.
Review plan documents and carrier policies before enrollment.
Notify us promptly if your contact information, income, or household details change (as this may affect your insurance eligibility).

6. Privacy and Communications

We may collect and use your information in accordance with our Privacy Policy. By providing your phone number or email, you consent to receive communications from us regarding your insurance options. Standard message and data rates may apply.

7. Intellectual Property

All content on our website, including text, graphics, logos, and materials, is the property of Oklahoma Health Options and may not be copied, distributed, or used without our prior written consent.

8. Limitation of Liability

To the fullest extent permitted by law, Oklahoma Health Options and its agents are not liable for:

Errors or omissions in insurance applications provided by you.
Decisions made by insurance carriers or government agencies.
Losses, damages, or claims arising from your use of our services or reliance on plan information.

9. Third-Party Links and Carriers

Our website or services may include links to third-party sites or reference insurance carriers. We do not control, endorse, or assume responsibility for their content, policies, or services.

10. Changes to These Terms

We may update these Terms from time to time. The “Effective Date” above reflects the latest revision. Continued use of our services after changes means you accept the updated Terms.

11. Governing Law

These Terms are governed by the laws of the State of Oklahoma, without regard to conflict of law principles.

12. Contact Us

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

Oklahoma Health Options
Phone: (405) 546-2000
Email: [email protected]
Website: https://www.oklahomahealthoptions.com/