Medicare Compliance & Disclosures
Last Updated: August 26, 2026
Medicare Messengers is a division of American Family Financial Services (AFFS). We are committed to providing Medicare-related information and insurance services in a clear, responsible, and transparent manner so individuals can better understand their coverage options and make informed decisions.
Important Medicare Disclosure
Medicare Messengers and American Family Financial Services are not affiliated with, connected to, or endorsed by the U.S. government, the federal Medicare program, the Centers for Medicare & Medicaid Services (CMS), or the U.S. Department of Health and Human Services.
For official Medicare information, visit Medicare.gov or call 1-800-MEDICARE (1-800-633-4227). TTY users may call 1-877-486-2048.
Licensed Insurance Professionals
Medicare-related insurance services offered through Medicare Messengers are provided by appropriately licensed insurance professionals. Licensing, carrier appointments, products, plan availability, and service areas may vary by state and location.
Speaking with one of our insurance professionals does not obligate you to enroll in a Medicare plan or purchase an insurance product.
Medicare Plan Information
Medicare plan availability, benefits, premiums, copayments, deductibles, provider networks, prescription drug formularies, eligibility requirements, and other plan features can vary by plan, service area, and coverage year. Not all plans or plan types are available in every location.
Information provided by Medicare Messengers is intended to help consumers better understand their Medicare coverage options. Before enrolling, consumers should review the applicable plan's official documents and information provided by the insurance carrier.
Educational Information
Information provided through the Medicare Messengers website, Medicare Messiah newsletter, email communications, articles, educational materials, social media, and other resources is provided for general informational and educational purposes.
Medicare rules, enrollment periods, costs, benefits, and available plans may change. Medicare Messengers makes reasonable efforts to provide current and accurate information; however, information presented through our educational materials should not replace official Medicare information or the terms and conditions of a specific insurance plan.
No Guarantee of Eligibility or Enrollment
Requesting a consultation, speaking with an insurance professional, receiving educational information, or submitting information through this website does not guarantee eligibility for or enrollment in any Medicare plan.
Enrollment is subject to applicable Medicare eligibility requirements, enrollment periods, plan availability, and the requirements of the selected insurance carrier.
Your Right to Make an Informed Choice
Our role is to help you understand your available Medicare coverage options so you can make an informed decision based on your individual circumstances.
You are never required to enroll in a plan simply because you have spoken with Medicare Messengers or one of our insurance professionals.
Consumers may also obtain Medicare information independently through Medicare.gov, 1-800-MEDICARE, or their State Health Insurance Assistance Program (SHIP).
Consultation Requests and Permission to Contact
When you voluntarily submit a consultation request, contact form, or other inquiry through this website, you authorize Medicare Messengers and/or American Family Financial Services to contact you regarding your request using the contact information you provide, subject to the consent language presented with the applicable form and applicable law.
Requesting information or agreeing to be contacted does not require you to enroll in a Medicare plan or purchase an insurance product.
Where additional permission or consent is required before certain communications, information sharing, or marketing activities may occur, Medicare Messengers will obtain the appropriate authorization.
Protection of Your Information
Medicare Messengers respects the privacy and confidentiality of the individuals we serve. Personal information collected through this website is handled in accordance with applicable privacy requirements and our Privacy Policy.
Please do not provide Social Security numbers, Medicare identification numbers, detailed medical information, financial account information, or other highly sensitive information through a general website contact form unless you are specifically directed to provide the information through an authorized and appropriately secured process.
Medicare Enrollment Periods
Medicare has different enrollment periods, and the enrollment period that applies to an individual depends on their specific circumstances.
References to Medicare enrollment periods on this website are provided for educational purposes. A licensed insurance professional can help explain enrollment periods that may apply to your circumstances, but eligibility to enroll, change, or disenroll from Medicare coverage is ultimately governed by applicable Medicare requirements.
Marketing and Communications
Medicare Messengers strives to conduct its Medicare-related marketing and communications in accordance with applicable CMS requirements, federal and state insurance regulations, insurance carrier requirements, and other applicable laws and regulations.
Marketing materials, advertisements, websites, newsletters, social media communications, and other materials may be subject to additional regulatory or carrier requirements depending on their content, intended audience, distribution method, and the Medicare products being discussed.
Changes to This Disclosure
Medicare requirements and insurance regulations may change. Medicare Messengers reserves the right to update this Medicare Compliance & Disclosures page when necessary to reflect regulatory changes, business practices, or changes to the services we provide.
The most recent revision date will be displayed at the top of this page.
Questions or Additional Information
If you have questions about Medicare Messengers, American Family Financial Services, our insurance services, or information provided through this website, please contact us using the information available on our Contact Us page.
For official information regarding Medicare benefits, eligibility, enrollment, rights, or coverage, visit Medicare.gov or call 1-800-MEDICARE (1-800-633-4227).
Medicare Messengers
A Division of American Family Financial Services
We do not offer every plan available in your area. Currently, we represent a number of organizations that offer multiple products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Assistance Program (SHIP) to get information on all of your options.