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Terms of Use
Effective Date: August 12, 2026
Welcome to Healthy Choices IL.
These Terms of Use ("Terms") govern your access to and use of the Healthy Choices IL website, including its pages, educational materials, forms, resources, and other website features.
By accessing or using this website, you acknowledge that you have read, understand, and agree to these Terms. If you do not agree with these Terms, please discontinue use of the website.
About Healthy Choices IL
Healthy Choices IL provides educational information and access to insurance guidance through Rhonda Torossian.
Website content may address topics including:
Original Medicare
Medicare Advantage
Medicare Supplement insurance
Prescription drug coverage
Medicaid
Marketplace health insurance
Individual health insurance
Provider networks
Insurance enrollment
Health coverage considerations
The website is intended to help visitors better understand health insurance topics and provide a way to contact Rhonda regarding available insurance services.
Educational Information Only
Information presented on Healthy Choices IL is provided for general educational and informational purposes.
Website content should not be considered a substitute for individualized insurance guidance or professional medical, legal, financial, or tax advice.
Insurance regulations, government programs, eligibility requirements, enrollment periods, benefits, costs, provider networks, prescription formularies, and plan availability may change.
Visitors should verify current information before making decisions regarding insurance coverage.
No Guarantee of Insurance Eligibility or Coverage
Using this website does not guarantee that you qualify for Medicare, Medicaid, Marketplace coverage, an insurance policy, financial assistance, a Special Enrollment Period, or any specific insurance product.
Eligibility depends on applicable laws, program requirements, insurance company requirements, geographic availability, enrollment periods, and individual circumstances.
No insurance coverage is created by:
Visiting this website
Reading educational information
Completing a contact form
Sending an email
Speaking with Rhonda
Scheduling a consultation
Requesting information
Receiving a plan comparison
Insurance coverage becomes effective only after all applicable enrollment requirements have been satisfied and coverage has been accepted or confirmed by the appropriate insurance company or program administrator.
Insurance Plan Information
Healthy Choices IL works to provide useful and accurate information. However, insurance information can change.
Plan information may include details regarding:
Premiums
Deductibles
Copayments
Coinsurance
Provider networks
Prescription drug formularies
Pharmacies
Benefits
Coverage limitations
Service areas
Enrollment periods
Eligibility requirements
Information displayed on this website should not replace official plan documents.
Before enrolling, consumers should review applicable plan materials and confirm important information directly with the insurance company or appropriate government program.
Insurance Company Representation
Rhonda Torossian may represent multiple insurance companies and insurance products based on her current licensing, certifications, contracts, appointments, and geographic authorization.
She may not represent every insurance company or insurance plan available in your area.
Information provided through Healthy Choices IL may therefore be limited to insurance companies and products Rhonda is authorized to discuss or offer.
Visitors interested in reviewing all Medicare options available in their area may also consult Medicare.gov, 1-800-MEDICARE, or another qualified resource.
Medicare and Government Affiliation
Healthy Choices IL is not connected with or endorsed by the United States government, the federal Medicare program, the Social Security Administration, the Centers for Medicare & Medicaid Services, or any other government agency.
References to Medicare, Medicaid, Marketplace coverage, government programs, or related terminology are provided for educational purposes and to describe insurance services that may be available to eligible consumers.
Use of government program names does not indicate government sponsorship, endorsement, or affiliation.
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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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