Clear Guidance for Medicare and Health Coverage
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Insurance and Medicare Disclaimer
Effective Date: August 12, 2026
Healthy Choices IL provides general educational information and access to insurance guidance through Rhonda Torossian.
The information provided on this website is intended to help consumers better understand Medicare, health insurance, and related coverage topics. It should not be interpreted as a guarantee of coverage, eligibility, benefits, savings, or enrollment.
Please review the following disclosures before relying upon information presented on this website.
Medicare and Government Affiliation Disclaimer
Healthy Choices IL is not connected with or endorsed by the United States government or the federal Medicare program.
Healthy Choices IL and Rhonda Torossian are not Medicare, the Social Security Administration, the Centers for Medicare & Medicaid Services (CMS), or another federal or state government agency.
References to Medicare, Medicaid, the Health Insurance Marketplace, and other government programs are provided for educational purposes and to explain insurance options that may be available to eligible consumers.
Use of government program names or terminology does not imply sponsorship, affiliation, approval, or endorsement by a government agency.
Insurance Professional Disclosure
Rhonda Torossian is an insurance professional who may assist eligible consumers with Medicare and health insurance options based on her current licensing, certifications, appointments, contracts, geographic authorization, and applicable regulations.
Insurance products and services discussed through Healthy Choices IL may be offered by independent insurance companies.
Healthy Choices IL is not itself an insurance carrier and does not issue insurance policies, determine claims, establish insurance company rates, or control carrier underwriting decisions.
Insurance Company and Plan Representation
Rhonda Torossian may not represent every insurance company or insurance plan available in your area.
Information provided through Healthy Choices IL may be limited to insurance companies and plans that Rhonda is appropriately licensed, certified, contracted, appointed, and authorized to offer.
The number and identity of insurance companies represented may vary according to:
Geographic location
Insurance product
Plan year
Carrier contracts
Licensing
Certifications
Appointments
Service areas
Regulatory requirements
Consumers interested in Medicare coverage should understand that additional plans may be available in their service area beyond those Rhonda is authorized to represent.
For information about Medicare coverage options available in your area, consumers may also consult the official Medicare website or call 1-800-MEDICARE.
Educational Information Disclaimer
Content published on Healthy Choices IL is provided for general educational and informational purposes.
Topics may include:
Original Medicare
Medicare Part A
Medicare Part B
Medicare Advantage
Medicare Supplement insurance
Medicare prescription drug coverage
Medicaid
Marketplace health insurance
Individual health insurance
Provider networks
Prescription formularies
Enrollment periods
Insurance terminology
Coverage comparisons
General website information cannot account for every individual's circumstances.
Information should therefore be used as a starting point for education rather than as a substitute for reviewing official plan documents or receiving individualized professional assistance.
No Guarantee of Eligibility
Healthy Choices IL does not guarantee eligibility for any insurance plan, Medicare program, Medicaid program, Marketplace plan, premium tax credit, cost-sharing reduction, Special Enrollment Period, or other insurance benefit or program.
Eligibility may depend on factors including:
Age
Residency
Household information
Income
Current insurance coverage
Medicare status
Employment status
Disability status
Enrollment period
Geographic service area
Applicable government requirements
Insurance company requirements
Eligibility determinations are made according to applicable program, regulatory, or insurance company requirements.
No Guarantee of Enrollment
Speaking with Rhonda, requesting a consultation, reviewing a plan, receiving information, or submitting an application does not guarantee enrollment.
Insurance coverage is not created by:
Visiting this website
Completing a website form
Calling Healthy Choices IL
Sending an email
Scheduling a consultation
Discussing insurance options
Requesting a quote
Reviewing plan information
Beginning an application
Coverage becomes effective only after applicable enrollment requirements have been completed and the appropriate insurance company or program confirms coverage and its effective date.
Consumers should not cancel existing insurance solely because a new application has been submitted.
Medicare Plan Information
Medicare-related plan information can change between plan years and, in some circumstances, during a plan year.
Information that may change includes:
Premiums
Deductibles
Copayments
Coinsurance
Provider networks
Pharmacy networks
Prescription formularies
Benefits
Supplemental benefits
Service areas
Eligibility requirements
Plan availability
Consumers should review current official plan documents before making an enrollment decision.
Medicare Advantage Disclaimer
Medicare Advantage plans are offered by private insurance companies approved by Medicare.
Plan availability and benefits vary by location and insurance company.
Depending on the plan, provider networks, referral requirements, prior authorization requirements, prescription coverage, service areas, and other conditions may apply.
A Medicare Advantage plan that works well for one individual may not be appropriate for another person's healthcare needs or preferences.
Medicare Supplement Disclaimer
Medicare Supplement insurance, commonly called Medigap, works alongside Original Medicare and may help pay certain costs that Original Medicare does not cover.
Eligibility, premiums, enrollment rights, medical underwriting requirements where permitted, and policy availability may depend on individual circumstances and applicable state and federal rules.
Medicare Supplement insurance is different from Medicare Advantage.
Consumers should understand these differences before changing coverage.
Prescription Drug Disclaimer
Prescription formularies and drug coverage may differ between insurance plans and may change.
Factors affecting prescription coverage may include:
Medication tier
Formulary status
Pharmacy network
Preferred pharmacy status
Prior authorization
Step therapy
Quantity limits
Deductibles
Copayments
CoinsuranceThe page or feature you were attempting to access
A brief description of the difficulty
The device or browser being used, if known
Your preferred method for receiving assistance
Consumers who regularly use prescription medications should verify current coverage before enrolling in a plan.
Healthy Choices IL does not provide medical or pharmaceutical advice. Never stop, substitute, reduce, increase, or otherwise change a medication based solely on insurance information.
Medication decisions should be discussed with an appropriately qualified healthcare professional.
Provider Network Disclaimer
Provider networks may change.
Healthy Choices IL cannot guarantee that a physician, specialist, hospital, clinic, pharmacy, laboratory, rehabilitation facility, or other healthcare provider will participate in a particular insurance plan.
Consumers should verify provider participation before enrolling.
For important providers, we recommend confirming network participation with both the insurance company and the healthcare provider.
Continued network participation cannot be guaranteed after enrollment.
Marketplace Health Insurance Disclaimer
Marketplace health insurance eligibility, enrollment opportunities, premium tax credits, cost-sharing reductions, and other financial assistance depend on applicable federal requirements and individual circumstances.
Household size, income, residency, access to other qualifying coverage, and additional factors may affect eligibility.
Healthy Choices IL cannot guarantee eligibility for Marketplace coverage or financial assistance.
Consumers are responsible for providing complete and accurate information when applying for Marketplace coverage.
Medicaid Disclaimer
Medicaid eligibility and benefits are determined according to applicable federal and state requirements.
Healthy Choices IL does not make Medicaid eligibility determinations.
Some individuals may qualify for both Medicare and Medicaid. Coverage coordination and available insurance options can differ for individuals who are eligible for both programs.
Official eligibility questions should be confirmed through the appropriate government agency or program administrator.
No Guarantee of Savings
Healthy Choices IL does not guarantee that enrolling in or changing an insurance plan will reduce your healthcare expenses.
A lower monthly premium does not necessarily mean lower total healthcare costs.
Actual expenses may depend on:
Healthcare utilization
Medical services received
Prescription medications
Provider selection
Network status
Deductibles
Copayments
Coinsurance
Premiums
Out-of-pocket limits
Services excluded from coverage
Past expenses or hypothetical examples do not guarantee future costs.
Additional Benefits Disclaimer
Some insurance plans may advertise additional benefits such as dental, vision, hearing, transportation, fitness programs, over-the-counter allowances, or other supplemental benefits.
Availability, eligibility, limitations, provider requirements, frequency limits, geographic restrictions, and benefit amounts may vary.
Additional benefits should be reviewed alongside the plan's primary medical and prescription coverage.
No Medical Advice
Healthy Choices IL and Rhonda Torossian do not provide medical advice through this website.
Nothing published on the website should be interpreted as a diagnosis, treatment recommendation, prescription recommendation, or substitute for care from an appropriately qualified healthcare professional.
Insurance coverage and medical necessity are separate considerations.
Questions concerning your health, medications, diagnosis, treatment, or medical care should be directed to an appropriate healthcare professional.
No Legal, Tax, or Financial Advice
Healthy Choices IL does not provide legal, tax, accounting, investment, or financial advice through this website.
Educational discussions regarding insurance costs, premiums, financial assistance, or healthcare expenses should not be interpreted as individualized financial or tax recommendations.
Consult an appropriately qualified professional if you require advice in these areas.
Website Forms and Sensitive Information
Website contact forms are provided for general inquiries and consultation requests.
Do not submit confidential or sensitive information through general website forms, including:
Social Security numbers
Medicare identification numbers
Medicaid identification numbers
Insurance member IDs
Medical records
Detailed medical histories
Diagnoses
Prescription lists
Financial account information
Credit or debit card information
If sensitive information becomes necessary during an appropriate insurance process, Rhonda can explain how that information should be provided.
Third-Party Information
No Legal, Tax, or Financial Advice
Information Accuracy
Reasonable efforts are made to provide useful and accurate information on Healthy Choices IL.
However, insurance regulations, plan benefits, enrollment periods, government programs, carrier participation, provider networks, formularies, and other information can change.
Healthy Choices IL does not guarantee that every page will reflect every change immediately after it occurs.
Where website information differs from current official insurance company documents or government information, the applicable official information should control.
Individual Circumstances Matter
Insurance decisions are personal.
Age, location, healthcare providers, prescriptions, finances, current coverage, expected healthcare usage, travel, eligibility, and other circumstances can influence which options are available and appropriate for consideration.
Information provided to another consumer should not automatically be assumed to apply to you.
A personal conversation can help identify which factors deserve consideration in your situation.
Contact Healthy Choices IL
If you have questions regarding this Disclaimer or would like to discuss Medicare or health insurance coverage, please contact:
Healthy Choices IL
Rhonda Torossian
6870 Rote Road, Suite 100
Rockford, Illinois 61107
Cell: 815-243-1897
Office: 815-394-8991
Email: [email protected]
Important Medicare Disclosure
Healthy Choices IL is not connected with or endorsed by the United States government or the federal Medicare program.
Rhonda Torossian may not represent every insurance company or plan available in your area. Plan availability depends on location, eligibility, licensing, certifications, appointments, carrier participation, and applicable enrollment requirements.
For official Medicare information and information regarding available Medicare coverage options, visit Medicare.gov or call 1-800-MEDICARE (1-800-633-4227).
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Important Insurance Information
Healthy Choices IL is an independent insurance resource operated by a licensed insurance professional.
Healthy Choices IL is not connected with or endorsed by the United States government, the federal Medicare program, the Illinois Department of Insurance, the Social Security Administration, or the Health Insurance Marketplace.
This website provides general educational information and is not a substitute for professional medical, legal, tax, or financial advice.
Rhonda Torossian may not represent every insurance company or plan available in your area. Information provided may be limited to insurance companies and plans she is licensed, certified, contracted, appointed, and authorized to offer.
Plan availability, benefits, provider networks, formularies, premiums, deductibles, copayments, coinsurance, service areas, eligibility requirements, and enrollment periods may change.
Provider directories and prescription formularies should be verified directly with the applicable insurance company before enrollment.
Enrollment depends on eligibility, applicable enrollment periods, plan availability, receipt of a completed application, and approval by the insurance company or appropriate program administrator.
Submitting a website form, making a phone call, scheduling a meeting, or discussing coverage does not create insurance coverage or guarantee enrollment.
For information about all available Medicare options, visit Medicare.gov or call 1-800-MEDICARE.
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