Scope of the site
This website is operated by CIENEL Insurance Group, an independent Medicare insurance agent licensed in Florida. Its purpose is informational and educational: to explain Medicare options available in Florida, facilitate contact with the agent, and capture inquiries from people interested in obtaining guidance.
This site is NOT a quote engine. It does not display prices, plan comparisons, or specific coverage recommendations. That function is regulated by CMS (Centers for Medicare & Medicaid Services) and belongs to certified platforms that the agent has access to.
Not individualized plan advice
The information published on this site is for general educational purposes. It does not constitute individualized medical, legal, or insurance advice. The coverage options that are right for you depend on your health situation, medications, doctors, and budget — factors that can only be evaluated in a personalized consultation with a licensed agent.
If you have questions about which Medicare plan is right for you, contact us directly. Do not make coverage decisions based solely on the content of this site.
Relationship with the agent
CIENEL Insurance Group acts as an independent health insurance agent. We are not an insurance carrier, we are not affiliated with the federal government or Medicare, and we do not exclusively represent any specific plan.
Using this site and submitting the contact form do not establish a formal insurance relationship. The formal relationship begins only when the client and agent sign the appropriate documents and the insurance carrier confirms enrollment in the plan.
Limitation of liability
The content of this site is provided "as is" for general informational purposes. We make reasonable efforts to keep it current, but Medicare plan details change annually and the published information may not reflect the most recent changes.
CIENEL Insurance Group assumes no liability for decisions made based solely on the content of this site. For binding information about coverage and pricing, consult directly with the agent or visit Medicare.gov.
Changes to these terms
We may update these terms at any time to reflect changes in our services or applicable regulations. The "Last updated" date at the top of this page indicates the current version.
Continued use of the site after changes are published constitutes acceptance of the updated terms. If you do not agree with the current terms, we ask that you do not use this site.