Clear Guidance for Medicare and Health Coverage
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Terms and Conditions
Effective Date: August 12, 2026
These Terms and Conditions govern consultations, communications, insurance-related assistance, and other services provided through Healthy Choices IL and Rhonda Torossian.
By requesting information, submitting a consultation request, communicating with Rhonda, or using services made available through Healthy Choices IL, you acknowledge that you have read and understand these Terms and Conditions.
These Terms and Conditions should be read together with our Privacy Policy and Terms of Use.
About Healthy Choices IL
Healthy Choices IL provides educational resources and access to personal insurance guidance through Rhonda Torossian.
Services may include general education and assistance related to:
Medicare
Original Medicare
Medicare Advantage
Medicare Supplement insurance
Prescription drug coverage
Marketplace health insurance
Individual health insurance
Provider networks
Coverage comparisons
Insurance enrollment
Coverage reviews
Available services depend on Rhonda's current licensing, certifications, carrier appointments, contracts, geographic authorization, and applicable laws and regulations.
Insurance Professional Relationship
Rhonda Torossian provides insurance guidance based on the insurance products, companies, and programs she is appropriately licensed, certified, appointed, contracted, and authorized to discuss or offer.
Rhonda may not represent every insurance company or plan available in your area.
A consultation does not guarantee that a particular insurance company, policy, plan, benefit, premium, provider network, or coverage option will be available to you.
Consumers remain responsible for making their final insurance decisions.
Consultations
Healthy Choices IL allows individuals to request consultations regarding Medicare and health insurance questions.
Consultations may occur through available methods such as:
In-person appointment
Email
Other approved communication methods
Consultation availability may vary.
Submitting a consultation request does not guarantee a particular appointment date or time. An appointment should be considered scheduled only after it has been confirmed.
Consultation Requests Do Not Create Insurance Coverage
Contacting Healthy Choices IL does not create an insurance policy or establish insurance coverage.
Insurance coverage is not created by:
Completing a website form
Calling Rhonda
Sending an email
Sending a text message
Scheduling an appointment
Attending a consultation
Discussing available plans
Requesting a quote
Reviewing plan information
Beginning an application
Coverage becomes effective only after all applicable enrollment requirements have been completed and coverage has been accepted, processed, or otherwise confirmed by the applicable insurance company or program.
Never cancel existing insurance coverage based solely on a consultation request or pending application unless you have appropriately confirmed your replacement coverage and effective date.
Insurance Applications and Enrollment
When a consumer chooses to apply for coverage, additional information and documentation may be required.
The application process may be governed by:
Insurance company requirements
Medicare rules
Marketplace requirements
State insurance regulations
Federal regulations
Eligibility requirements
Enrollment periods
Underwriting requirements where applicable
Submitting an insurance application does not guarantee approval.
Healthy Choices IL cannot control the processing time, approval decision, effective date, or administrative procedures of an insurance company or government program.
Your Responsibility to Provide Accurate Information
Consumers are responsible for providing accurate, current, and complete information during insurance consultations and enrollment processes.
This may include information concerning:
Age
Residence
Household information
Existing insurance coverage
Medicare eligibility
Employment status
Provider preferences
Prescription coverage needs
Other information required for eligibility or enrollment
Incorrect, incomplete, or outdated information may affect plan availability, eligibility, premiums, financial assistance, enrollment, or coverage.
You should promptly notify Rhonda if information relevant to an application changes before enrollment is completed.
Provider and Healthcare Facility Information
If maintaining access to specific doctors, specialists, hospitals, clinics, pharmacies, or healthcare facilities is important to you, those providers should be verified before enrollment.
Provider networks may change.
A healthcare provider's participation in a network at one point does not guarantee continued participation.
Healthy Choices IL may assist consumers with reviewing available provider information but cannot guarantee that a provider will remain in a plan's network.
Consumers are encouraged to confirm network participation directly with both the insurance company and healthcare provider.
Prescription Drug Information
Consumers who rely on prescription medications should carefully review applicable prescription coverage.
Drug formularies may vary between plans and may change.
Factors that may affect prescription coverage include:
Drug formularies
Medication tiers
Pharmacy networks
Preferred pharmacies
Prior authorization requirements
Step therapy
Quantity limits
Generic alternatives
Mail-order options
Applicable deductibles
Copayments or coinsurance
Healthy Choices IL may help explain available prescription coverage information but does not provide medical or pharmaceutical advice.
Never discontinue or change a medication based on insurance information without speaking with an appropriate healthcare professional.
Plan Costs and Benefits
Insurance costs and benefits vary by plan and individual circumstances.
Consumers should review more than the advertised monthly premium.
Relevant costs may include:
Premiums
Deductibles
Copayments
Coinsurance
Prescription expenses
Out-of-network expenses
Maximum out-of-pocket amounts where applicable
Costs for services not covered by the plan
Additional benefits may also contain limitations, eligibility requirements, provider restrictions, geographic limitations, or maximum allowances.
Official plan documents control if there is a discrepancy between general information provided during a consultation and the insurance company's official materials.
Medicare Enrollment Periods
Medicare enrollment opportunities depend on individual circumstances and the type of coverage involved.
Applicable enrollment periods may include an Initial Enrollment Period, Annual Enrollment Period, Medicare Advantage Open Enrollment Period, Special Enrollment Period, or other enrollment opportunity provided under Medicare rules.
Eligibility for a particular enrollment period cannot be assumed.
Consumers are responsible for providing accurate information regarding circumstances that may affect enrollment eligibility.
Marketplace Enrollment
Marketplace health insurance generally operates under annual Open Enrollment periods and qualifying Special Enrollment Periods.
Eligibility for Marketplace coverage, premium tax credits, cost-sharing reductions, or Special Enrollment Periods depends on applicable requirements and individual circumstances.
Healthy Choices IL cannot guarantee eligibility for Marketplace financial assistance or a particular insurance plan.
Consumers are responsible for providing accurate household, income, residency, and other information required by the Marketplace.
Medicare and Marketplace Coverage
Medicare and Marketplace coverage operate under different rules.
Consumers who become eligible for Medicare should carefully review how Medicare eligibility may affect Marketplace coverage and financial assistance.
Do not cancel existing coverage or make assumptions about Medicare or Marketplace eligibility without confirming the applicable rules and effective dates.
Communication Consent
When you voluntarily provide a telephone number, email address, or other contact information, you authorize Healthy Choices IL and Rhonda Torossian to respond regarding your inquiry.
Depending on your request and applicable consent requirements, communications may occur through:
Telephone calls
Email
Text messages
Voicemail
Other communication methods you authorize
Consent to receive communications regarding an inquiry is not a condition of purchasing an insurance product.
Message and data rates may apply to text communications according to your mobile service provider.
Sensitive Information and Website Forms
Healthy Choices IL website forms are intended for general inquiries and consultation requests.
Do not submit sensitive information through general website forms, including:
Social Security numbers
Medicare identification numbers
Medicaid identification numbers
Insurance member identification numbers
Medical records
Detailed medical histories
Diagnoses
Prescription lists
Banking information
Credit or debit card information
If additional information is required during an insurance application or consultation, Rhonda can explain an appropriate method for providing it.
Appointment Responsibilities
Consumers requesting appointments should provide accurate contact information and make reasonable efforts to attend confirmed appointments.
If you need to cancel or reschedule an appointment, please contact Rhonda as soon as reasonably possible.
Healthy Choices IL reserves the right to reschedule appointments because of illness, emergencies, scheduling conflicts, severe weather, technical problems, or other reasonable circumstances.
No Guarantee of Savings
Healthy Choices IL does not guarantee that changing insurance plans will reduce your healthcare expenses.
Insurance costs depend on numerous factors, including:
Healthcare utilization
Provider selection
Prescription medications
Plan benefits
Premiums
Deductibles
Copayments
Coinsurance
Network status
Services received
A plan with a lower premium does not necessarily result in lower total annual healthcare expenses.
No Guarantee of Specific Benefits
Insurance benefits may change between plan years and may vary by geographic area.
Healthy Choices IL does not guarantee the continued availability of any particular:
Insurance plan
Premium
Benefit
Provider
Hospital
Pharmacy
Prescription drug
Supplemental benefit
Service area
Consumers should review current official plan information before enrollment.
No Government Affiliation
Healthy Choices IL is not connected with or endorsed by the United States government or the federal Medicare program.
Rhonda Torossian is an insurance professional and is not an employee or representative of Medicare, the Social Security Administration, the Centers for Medicare & Medicaid Services, or another government agency solely by virtue of providing Medicare-related insurance services.
References to Medicare, Medicaid, the Health Insurance Marketplace, or other government programs are used for informational purposes.
No Medical Advice
Healthy Choices IL and Rhonda Torossian provide insurance-related information and do not provide medical advice.
Insurance coverage discussions should not be interpreted as recommendations concerning:
Medical treatment
Diagnoses
Prescription medications
Physicians
Medical procedures
Healthcare facilities
Treatment plans
Medical decisions should be made with an appropriately qualified healthcare professional.
No Legal, Tax, or Financial Advice
Information provided by Healthy Choices IL should not be considered legal, tax, accounting, investment, or financial advice.
Questions involving these matters should be directed to an appropriately qualified professional.
Compensation
Insurance professionals may receive compensation from insurance companies or other authorized entities when eligible consumers enroll in certain insurance products.
Compensation structures may differ by insurance company and product.
Consumers may ask Rhonda questions about her role and applicable compensation before making an enrollment decision.
Third-Party Insurance Companies and Organizations
Healthy Choices IL is not responsible for actions or decisions made independently by insurance companies, government programs, healthcare providers, pharmacies, or other third parties.
These organizations maintain their own:
Eligibility requirements
Privacy policies
Terms
Provider networks
Formularies
Underwriting requirements
Administrative procedures
Claims processes
Customer service operations
Issues involving an insurance company's administration of an active policy may ultimately need to be addressed directly with that insurance company.
Privacy
Information collected through Healthy Choices IL is handled according to our Privacy Policy.
Visitors should review the Privacy Policy before submitting personal information through the website.
Internal Link: Privacy Policy
Website Terms of Use
Use of the Healthy Choices IL website is also governed by our Terms of Use.
The Terms of Use address website access, intellectual property, third-party links, permitted use, website availability, and related matters.
Internal Link: Terms of Use
Limitation of Liability
To the fullest extent permitted by applicable law, Healthy Choices IL and its representatives are not responsible for losses resulting from inaccurate information supplied by a consumer, changes made by insurance companies or government programs, provider network changes, formulary changes, enrollment decisions made by third parties, or circumstances outside our reasonable control.
Nothing in these Terms and Conditions excludes liability where exclusion would be prohibited by applicable law.
Changes to These Terms and Conditions
Healthy Choices IL may update these Terms and Conditions as services, website functionality, insurance requirements, or applicable laws change.
Revisions become effective when published on this page unless otherwise stated.
The effective date at the top of this page identifies the current version.
Governing Law
These Terms and Conditions are governed by applicable federal law and the laws of the State of Illinois.
Any dispute relating to these Terms and Conditions will be addressed according to applicable laws and jurisdictional requirements.
Severability
If any provision of these Terms and Conditions is determined to be invalid, unlawful, or unenforceable, the remaining provisions will continue to apply to the fullest extent permitted by law.
Contact Us
Questions regarding these Terms and Conditions may be directed to:
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 Insurance 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 geographic location, eligibility, insurance company participation, licensing, appointments, certifications, and applicable enrollment requirements.
Insurance benefits, premiums, deductibles, copayments, coinsurance, provider networks, formularies, pharmacies, service areas, and other plan features may change.
Consumers should review official plan documents before making an enrollment decision.
For official Medicare information, visit Medicare.gov or call 1-800-MEDICARE.
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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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