General Disclaimers

Innovative Financial Partners LLC, is a licensed and certified representative of Medicare Advantage HMO, PPO and PFFS organizations and stand-alone prescription drug plans with a Medicare contract. Enrollment in any plan depends on contract renewal.

The plans we represent do not discriminate on the basis of race, color, national origin, age, disability, or sex. To learn more about a plan’s nondiscrimination policy, please click any of the Nondiscrimination links above in the Health plan disclaimers section.

This information is not a complete description of benefits. Call 1-888-241-1470 (TTY: 711) for more information.

Medicare beneficiaries may also enroll in the plan through the CMS Medicare Online Enrollment Center located at http://www.medicare.gov.

For a complete list of available plans please contact 1-800-MEDICARE (TTY users should call 1-877-486-2048), 24 hours a day/7 days a week or consult www.medicare.gov.

Every year, Medicare evaluates plans based on a 5-star rating system.

Out-of-network/non-contracted providers are under no obligation to treat Plan members, except in emergency situations. Please call the Plan’s customer service number or see your Evidence of Coverage for more information, including the cost-sharing that applies to out-of-network services.

Total annual cost is calculated by adding up the total annual cost of any monthly premiums, applicable plan deductible(s) and estimates for all co-pay and co-insurance amounts that will be due for the medications and health benefits used throughout the year. Costs for medications and health benefits vary across pharmacies and health systems, so the costs provided are only estimates. Actual costs could vary.

For plans with Part D Coverage: You may be able to get Extra Help to pay for your prescription drug premiums and costs. To see if you qualify for Extra Help, call: 1-800-MEDICARE (1-800-633-4227). TTY users should call 1-877-486-2048, 24 hours a day/ 7 days a week or consult www.medicare.gov; the Social Security Office at 1-800-772-1213 between 7 a.m. and 7 p.m., Monday through Friday. TTY users should call, 1-800-325-0778 or consult www.socialsecurity.gov; or your Medicaid Office.

You must have both Part A and B to enroll in a Medicare Advantage plan. Members may enroll in the plan only during specific times of the year. Contact the plan for more information.

The purpose of this communication is the solicitation of insurance. Contact will be made by an insurance agent/producer or insurance company.

Notwithstanding any current or prior election to opt-in or opt-out of receiving telemarketing calls or SMS messages (including text messages) from Medicare Planning of America, Innovative Financial Group, Rees Financial, or Versa Management, our agents, representatives, affiliates, or anyone calling on our behalf, you expressly consent to be contacted by Medicare Planning of America, Innovative Financial Group, Rees Financial, or Versa Management, our agents, representatives, affiliates, or anyone calling on our behalf for any and all purposes arising out of or relating to your request for information, at any telephone number, or physical or electronic address you provide or at which you may be reached.

You consent to receive SMS messages (including text messages), calls and messages (including prerecorded and artificial voice and autodialed) from Medicare Planning of America, Innovative Financial Group, Rees Financial, or Versa Management, our agents, representatives, affiliates or anyone calling on our behalf at the specific number(s) you have provided to Medicare Planning of America, Innovative Financial Group, Rees Financial, or Versa Management, or numbers we can reasonably associate with your account (through skip trace, caller ID capture or other means), with information or questions about your request.

You certify, warrant, and represent that the telephone numbers that you have provided to Medicare Planning of America, Innovative Financial Group, Rees Financial, or Versa Management are your contact numbers.

You indicate that you are permitted to receive calls at each of the telephone numbers you have provided to Medicare Planning of America, Innovative Financial Group, Rees Financial, or Versa Management.

You agree to promptly alert us whenever you stop using a particular telephone number. Your cellular or mobile telephone provider will charge you according to the type of plan you carry.

You also agree that we may contact you by email, using any email address you have provided to Medicare Planning of America, Innovative Financial Group, Rees Financial, or Versa Management or that you provide to us in the future.

We may listen to and or record phone calls between you and our representatives without notice to you as permitted by applicable law. For example, we listen to, and record calls for quality monitoring purposes.