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Your One-Stop Insurance Resource

Selection

Get access to plans and coverage from companies you know.

Convenience

Shop, compare and enroll or apply for coverage online or by phone, with guidance.

Simplicity

Learn about your options and find coverage that’s right for you, all in one place.

Let us help you navigate your health

Insurance doesn’t have to be confusing. We’re here to help you get coverage with the benefits you deserve and feel more confident about the choices you make.

Learn

Learn about your insurance options

Choose

Choose the type of product you want to explore

Review

Review coverage with licenced insurance agents

Get access to Edemnow new medical new medical checklist

A step-by-step guide to medicare

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Get access to Edemnow new medical new medical checklist

A step-by-step guide to medicare

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Get access to Edemnow new medical new medical checklist

A step-by-step guide to medicare

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By clicking ‘Submit’ you’ll also receive useful emails from us to help you stay current with your Medicare plan options.

Frequently Asked Questions

No. We are an insurance brokerage dedicated to providing people like you with helpful insurance coverage guidance. We’re here to help you:

  • Decide which kind of product or plan fits your specific needs.
  • Compare coverage that’s available to you
  • Choose coverage that fits your lifestyle and budget.
  • Enroll in or apply for coverage in the way that works best for you — by phone, online, or in person

No. We are not affiliated with any government agency. However, as a life and health insurance agency, we follow the highest personal and ethical standards as we provide guidance to help people like you enroll or apply in the insurance coverage that’s right for you. Our Medicare sales practices follow strict guidelines as set by the Centers for Medicare & Medicaid Services (CMS).

Yes. All our representatives are licensed insurance agents. This means they’re officially licensed in each state where we do business. This helps you to get the life insurance or Medicare coverage you need.

Edemrow services are always free for you to use, with no obligation to enroll. When we help you find and apply for/enroll in the coverage that’s right for you, the insurance company that created the plan pays us a commission. It doesn’t cost you anything extra to work with us.

Bottom line: Insurance costs can vary a great deal. Our licensed insurance agents can help you compare your coverage options. They often help people like you find coverage that’s most cost-effective, with additional plan benefits. For Medicare plans, Medicare insurance is closely regulated by the government — companies like Edemnow are not allowed to provide any plan discounts.

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Our Commitment

Whether you’re looking for Medicare, Obamacare (ACA) and or Dental & Vision insurance coverage, we are committed to delivering a simpler, easier and more straightforward insurance experience for everyone. We want to help you understand which coverage options work best for you, your available benefits and how to take advantage of them. Our strong relationships with leading insurance carriers provide you access to health insurance coverage that best fits your lifestyle and budget.

Privacy Policy

This Privacy Policy describes the collection, use, and disclosure practices with respect toEde’m Now Health Marketplace, hosted at Edemnow.com (the “Platform”). This Privacy Policy refers to visitors to and users of the Platform as “you”. The Platform is operated by Ede’m Now Health Marketplace (the “Company” or “we”). The Company separately maintains a privacy policy that covers all of its collection, use, and disclosure of Information here. The purpose of the Platform is to serve as the one-stop resource about Medicare plans for individuals who are interested in Medicare insurance products.This Privacy Policy uses the term “Personal Information” to describe information that identifies, relates to, describes, is reasonably capable of being associated with, or could reasonably be linked, directly or indirectly, with a particular consumer or household.

HIPAA

Because we facilitate the sale of a diverse range of insurance products, our processing of some information on behalf of our agents may fall under the Health Insurance Portability and Accountability Act (“HIPAA”). Specifically, we act as a Business Associate (as defined by HIPAA) when we receive Protected Health Information (“PHI”) from you(including your name, contact information, date of birth, sex, street address, Medicare number, information about current Medicare policy, ethnicity and race, and other information) in the course of your application to a health plan carrier. For more information about how PHI is used and disclosed, please review the applicable health plan’s Notice of Privacy Practices.This Privacy Policy applies to personal information that is not covered by HIPAA.

INFORMATION COLLECTED FOR TEXTING PROGRAM

Any information that we collect when you opt into receiving SMS and MMS text messages from us is used solely for the management of such texting communications program. We do not disclose such information to any entities other than our subsidiaries. We also do not transfer your consent to be contacted via the texting program to any other entity. The applicable terms for your participation in the texting program are available here.

PERSONAL INFORMATION WE COLLECT

The table below details the categories of Personal Information that we collect or obtain through the operation of the Platform. The Personal Information described below may be collected about your spouse as well, if you provide such information to us.

CATEGORY

EXAMPLES AND SOURCES

Contact information

We collect your name, phone number, postal address, and email address when you submit a form requesting to be contacted or when you submit an application for enrollment in an insurance product.

Login credentials

This includes username and password* if you choose to create a profile with us.

Health information*

We collect supplemental information about your health and healthcare, such as the medication you take, your preferred pharmacy, and your preferred clinician, your tobacco use, your height, your weight when you provide such information to us on the Platform. This information is used to identify appropriate Medicare plans/life insurance products for you.

Demographic Information*

We collect your age, date of birth, and gender when you provide this information to us through our Platform.

Internet or other similar network activity

Automatically-collected information on your interaction with the Platform. This may include your browsing history (including the site you came from before visiting our website and the site you went to after leaving our website), duration of browsing session, device ID, and IP address.

Audio, electronic, or visual information

We may have access to video snippets of users’ online activity, such as clicks and scrolling, that show how users provide consent to be contacted or interact with our Platform. We may also have audio recordings of your conversations with our customer service, sales, or other Company representatives in connection to your inquiries about the Platform.

Geolocation data

We collect geolocation* from users to ensure the security and integrity of the Platform and provide our services.

Commercial information

We collect information about the products and services that may interest you or are requested by you.

Professional or employment-related information

We collect information about your employment when you provide it to us in the course of submitting an application for enrollment in an insurance product.

Types of Personal Information marked with an asterisk (*) may be considered “sensitive” personal information according to some state laws.We do not collect biometric information.We intend to keep the above categories of Personal Information for as long as reasonably necessary to achieve the business purposes for which they were collected.

USE OF PERSONAL INFORMATION

We may use or disclose the Personal Information that we collect for one or more of the following purposes:

  • Operate the Platform, including finding appropriate insurance plans and processing your plan enrollment requests;
  • Communicate with you regarding the Platform;
  • Connect you with a licensed agent at your request;
  • Address your inquiries;
  • Process transactions;
  • Tailor the content and information that we may send or display to you;
  • Analyze use of our products and services;
  • Develop new products and services;
  • Comply with legal obligations;
  • Protect our rights, property, and safety or the rights, property, and safety of others;
  • Evaluate or conduct a merger, divestiture, restructuring, reorganization, dissolution, or other sale or transfer of some or all of our assets, whether as a going concern or as part of bankruptcy, liquidation, or similar proceeding, in which personal information held by us about our customers is among the assets transferred. You hereby consent to such transfers and we may assign and transfer all of the rights, benefits, duties, and obligations of this Privacy Policy, under the circumstances described in this paragraph

 

From time to time, we may contact you via personal phone call, email, and mail, for the purpose of providing announcements, promotional offers, alerts, confirmations, surveys, and/or other general communication. If you would like to stop receiving marketing or promotional communications via email or mail from us, you may opt out of such communications by contacting us through the TrustArc portal, at the toll-free number or email address listed below.

We may also contact you via text if you provide your consent to receive text communications on a texting consent page

SHARING PERSONAL INFORMATION

We may disclose all categories of Personal Information described above in “Personal Information We Collect” to the third parties listed below for the purpose of facilitating the sale of insurance products to individuals who are interested in purchasing such products.

  • With Our Service Providers. We may share Personal Information about you with third parties who perform services for us or on our behalf. For example, this may include payment processors or other operating systems or platforms that help us run our services.
  • With Our Business Partners. We may share Personal Information (but not Personal Information that you provide when opting into text messaging communications) with the independent licensed agents who are contracted to sell insurance policies with the same carriers as us, and business partners that assist us with analytics, marketing, and advertising.
  • With Law Enforcement, Government Agencies, or Parties to a Legal Proceeding. We may share Personal Information with such entities to comply with the law or assist in law enforcement.
  • With Our Independent Agents and Advisors. Agents and advisors have access to Personal Information that is provided by you when you request information regarding insurance products.
  • With Data Analytics Providers and Advertising Service Providers. Third-party data analytics providers may collect Personal Information about users over time and across different websites, applications, and devices for the purposes of targeted advertising. These providers may collect Personal Information, specifically internet or other similar network activity information, social media information, and/or commercial information in this manner on our Platform. For more information on these third parties, please see the below “Cookie Policy.”

    We partner with these third parties to tailor and customize our advertising to Users. The practice of targeted advertising may be considered a “sale” of Personal Information under some state laws. For more information about your choices related to this practice, please see “Rights Regarding Personal Information,” below.

COOKIE POLICY

The website on which the Platform is hosted may use cookies, pixel tags, web beacons, and similar technologies to track and enhance user experience. Users’ web browser places cookies on their hard drive for record-keeping purposes and sometimes to track information about them. Cookies can also enable us to track and target the interests of our users to enhance their experience on our website. We may use the following types of cookies: advertising and analytics and social media Users may choose to set their web browser to refuse cookies or to alert you when cookies are being sent. If they do so, note that some parts of the Platform may not function properly. Our website does not recognize “Do Not Track” signals, however it may recognize other opt-out preference signals, such as the Global Privacy Control (“GPC”). You may set such a signal through your browser or browser extension.

CHILDREN UNDER THE AGE OF 16

The Platform is not intended for children under 16 years of age. We do not collect information about individuals under the age of 16. No one under age 16 may provide any information through the Platform. We do not knowingly collect personal information from children under 16. If you are under 16, do not use or provide any information through the Platform. If we learn we have collected or received personal information from a child under 16 without verification of parental consent, we will delete that information. If you believe we might have any information from or about a child under 16, please contact us.

YOUR PRIVACY RIGHTS

State consumer privacy laws may provide their residents with additional rights regarding our use of their Personal Information as described in more detail below. However, these rights are not absolute, and, in certain cases, we may decline your request as permitted by law.

Consumer Right

Description

Right to Know

You may request the categories of Personal Information collected by Company about the data subject, the purpose and source of that collection, whether or not the Personal Information was sold to a third party, and the categories of third parties to whom Company disclosed the data subject’s Personal Information.

Right to Access

You may request to access, inspect, and receive a copy of Personal Information

Right to Delete Personal Information

You may request to delete non-exempt Personal Information held or stored by Company or on Company’s behalf. Some exceptions apply to these types of requests.

Right to Correct

You may request to edit or correct your Personal Information at any time.

Right to Opt-out

You may request to opt-out of certain uses or disclosures of Personal Information, including selling or “sharing” (i.e., using Personal Information websites for targeted advertising (“targeted advertising”)).

Right to Request to Appeal

Some data subjects may have the right to request that Company reconsider a denial of a data subject request.


To appeal a decision regarding a consumer rights request, please fill out  this form and include “APPEAL” in your request details, along with a short description of your prior request and the outcome that you are seeking. We may request more information in order to locate your prior request.

Right to Limit Use and Disclosure

You may request the right to limit our use and disclosure of your Personal Information defined as sensitive under the CCPA.

Non-discrimination

You have the right to be free from discrimination related to your exercise of any of your privacy rights.

To exercise any of these rights, please click here. Only you, or under some state privacy laws, someone legally authorized to act on your behalf, may make a request related to your Personal Information.

Exercising Your Privacy Rights

Process

Description

Verification

In order to protect your Personal Information from unauthorized access or deletion, we may require you to verify your account credentials before you can submit a data rights request.Company is legally obligated to verify your identity when you submit a request. We may request additional information from you to verify your identity. If you submit a request to delete your Personal Information, you will also be required to confirm the deletion request by email.If we are subsequently unable to confirm your identity, we may refuse your rights request.

Use of Authorized Agents

You may use an authorized agent to submit a data rights request. If you do so, the authorized agent must present signed written authorization to act on your behalf, and you will also be required to independently verify your own identity directly with us and confirm with us that you provided the authorized agent permission to submit the data rights request.

YOUR RIGHTS – CALIFORNIA

To the extent the law applies to Company, Company is required under the California Consumer Privacy Act (“CCPA”), as amended, to provide certain information to California residents about how we collect, use, and share their Personal Information in our capacity as a business, and about the rights and choices California residents may have concerning their Personal Information. For purposes of this section, “Personal Information” has the meaning provided in the CCPA.This section applies only to California residents. As a California resident, you have the rights listed below. However, these rights are not absolute, and, in certain cases, we may decline your request as permitted by law. To exercise any of these rights, please click here. Only you, or someone legally authorized to act on your behalf, may make a request related to your Personal Information.

The following disclosures are made in compliance with the CCPA, as amended. In the past twelve (12) months, we have collected the Personal Information described above, and disclosed it to the third parties listed under the section “Sharing Personal Information” for the business purposes identified therein and under the section “Use of Personal Information.” This information falls into the following categories of Personal Information under the CCPA:

  • Identifiers;
  • Categories of Personal Information described in section 1798.80(e) of the California Civil Code;
  • Characteristics of protected classifications under California or federal law;
  • Commercial information;
  • Geolocation information;
  • Audio, electronic, or visual information;
  • Internet or electronic network activity information;
  • Professional or employment-related information; and
  • Sensitive personal information identified by asterisk (*) in the above table.

As disclosed above in “Sale and Sharing of Personal Information” we may engage in activity that may be considered “selling” or “sharing” Personal Information. If you wish to opt out of this use of your Personal Information, click here: Do Not Sell or Share My Personal Information.We do not use or disclose sensitive Personal Information (indicated in the section “Personal Information We Collect” with an asterisk (*)) for purposes other than those specified in Cal. Code Regs. tit. 11, § 7027(m).Below is a summary of your rights under the CCPA. Please note that these rights are not absolute, and, in certain cases, we may decline your request as permitted by law

Consumer Right

Description

Access

You may request that we provide the following information about how we have collected and used your Personal Information:

  • The categories of Personal Information we have collected about you;
  • The sources from which that Personal Information was collected;
  • The business or commercial purpose for collecting, selling, and/or sharing your Personal Information;
  • The categories of Personal Information we shared or sold about you;
  • The categories of third parties to whom we shared or sold Personal Information about you;
  • The categories of Personal Information we disclosed for a business purpose; and
  • The categories of third parties to whom we disclosed Personal Information about you for a business purpose.

Request a Copy of Your Personal Information

You may request a copy of your Personal Information.You may submit a request that Company disclose the categories and specific pieces of Personal Information that we have collected, used, or disclosed about you.Please note that simply because Company has provided the categories of Personal Information it may collect pursuant to California law does not mean Company necessarily collected all of the specific pieces of Personal Information listed for any given person. Also, please note where Personal Information was disclosed within the past twelve (12) months, it may have been disclosed only to service providers.

Correction

You may request to edit or correct your Personal Information at any time.

Deletion

You may have the right, under certain circumstances, to request that we delete the Personal Information you have provided to us.

Opt Out of Sales and/or Sharing

The CCPA may classify our use of some services as “selling” or “sharing” your Personal Information with the partners that provide the services. You can opt out of the “selling” and/or “sharing” of your Personal Information.

Limit Processing of Sensitive Personal Information

We use sensitive Personal Information only as necessary for our (1) service delivery and operations, (2) compliance and protection, (3) quality control and improvements, or (4) Service improvement and analytics purposes in accordance with CCPA. If we use sensitive Personal Information outside the permitted purposes of CCPA, you have the right to limit such processing of sensitive Personal Information.

Exercising Your Privacy Rights

Process

Description

Verification

In order to protect your Personal Information from unauthorized access or deletion, we may require you to verify your account credentials before you can submit a rights request. If you do not have an account with us, or if we suspect your account has been accessed without your authorization, we may ask you to provide additional Personal Information for verification.Company is legally obligated to verify your identity when you submit a request. We may request additional information from you to verify your identity. If you submit a request to delete your Personal Information, you will also be required to confirm the deletion request by email.If we are subsequently unable to confirm your identity, we may refuse your rights request.

Use of Authorized Agents

You may use an authorized agent to submit a rights request. If you do so, the authorized agent must present signed written authorization to act on your behalf, and you will also be required to independently verify your own identity directly with us and confirm with us that you provided the authorized agent permission to submit the rights request. This verification process is not necessary if your authorized agent provides documentation showing that the authorized agent has power of attorney to act on your behalf under Cal. Prob. Code §§ 4121 to 4130.

SALE AND SHARING OF PERSONAL INFORMATION

We facilitate the sale of insurance products, and may engage in targeted advertising, which may be considered “selling” or “sharing” personal information as defined under certain state privacy laws, including California. In the last twelve (12) months, we have “sold” or “shared” the categories of personal information identified in “PERSONAL INFORMATION WE COLLECT” with advertising networks, data analytics vendors, insurance carriers, and Agents.NOTICE: We may sell your sensitive personal data.

RETENTION OF DATA

We retain Personal Information where we have an ongoing legitimate business or legal need to do so. Our retention periods will vary depending on the type of data involved, but, generally, we refer to these criteria in order to determine retention period:

  • Whether we have a legal or contractual need to retain the data;
  • Whether the data is necessary to provide our Platform; and
  • Whether our Consumers or Agents would reasonably expect that we would retain the data until they remove it or until their accounts are closed or terminated.

When we have no ongoing legitimate business need to process your Personal Information, we will either delete or anonymize it or, if this is not possible (for example, because your Personal Information has been stored in backup archives), then we will securely store your Personal Information and cease any further processing until deletion is possible.

DATA SECURITY

No security is foolproof, and the Internet is an insecure medium. We cannot guarantee absolute security, but we work hard to protect our Company and you from unauthorized access to or unauthorized alteration, disclosure, or destruction of Personal Information that we collect and store.

THIRD PARTY APPLICATIONS AND INTEGRATIONS

Our Platform uses third-party applications and integrations to enhance its experience. We disclaim any and all liability and responsibility for the use of these applications and integrations, and encourage you to review their individual privacy policies before using our Platform or otherwise engaging with us. We disclaim any and all liability and responsibility for the use of these applications and integrations and encourage you to review any individual privacy policy related to those applications and integrations.

UPDATES TO THIS PRIVACY POLICY

We may revise this Privacy Policy from time to time. If we make material changes to this Privacy Policy, we will notify you by email or by posting a notice on our Platform prior to or on the effective date of the changes. By continuing to access or use the Platform after those changes become effective, you acknowledge the revised Privacy Policy. We specify the date of the last changes at the beginning of the notice.

CONTACT INFORMATION

If you have any questions or comments about this notice, or the ways in which we collect and use your personal information, please do not hesitate to contact us at:

Phone : 940-306-2833

Email : legal@edemnow.com

SMS/MMS Terms

Notification 

Opt in to receive SMS, MMS, and Email reminders of important dates, special downloads, and helpful information about Medicare plans. Opt in by texting MEDICARE to 86666. Message frequency Varies. Message and data rates may apply.By opting in to this service, you consent to receive mobile text alerts using an automatic telephone dialing system. Consent to receive text messages is not required as a condition of purchasing any goods or services.By signing up, you are confirming you are over the age of 13.

STOP Information

Text STOP to 86666 to stop receiving Ede’m Now Health Marketplace Notifications messages from Ede’m Now Health Marketplace (you will receive a confirmation text).

HELP Information

For additional information, text ‌HELP‌ to 86666 or contact 1-855-231-7316.

Supported carriers are:

AT&T, Sprint, T-Mobile®, Boost, Cricket, MetroPCS, U.S. Cellular, Virgin Mobile, Google Voice, ACS Wireless, Advantage Cellular (DTC Wireless), Appalachian Wireless, Atlantic Tele-Network International (ATN), Bandwidth, Bluegrass Cellular, Buffalo Wireless, CableVision, Carolina West Wireless, Cellcom, Copper Valley, C-Spire Wireless (formerly Cellsouth), Cellular One of East Central Illinois, Chariton Valley Cellular, Cross (dba Sprocket), Duet IP, Element Mobile, EpicTouch, GCI Communications, Golden State, Hawkeye (Chat Mobility), Hawkeye (NW Missouri Cellular), I Wireless (IOWA Wireless), Illinois Valley Cellular, Immix (Keystone Wireless / PC Management), Inland Cellular, Mobi PCS (Coral Wireless LLC), Mosaic, MTA Communications, MTPCS / Cellular One (Cellone Nation), Nex-Tech Wireless, Panhandle Telecommunications, Peoples Wireless, Pine Belt Wireless, Pine Cellular, Pioneer, Plateau, Revol Wireless, RINA, SI Wireless/Mobile Nation, SouthernLinc, SRT Wireless, Thumb Cellular, Union Wireless, United, Viaero Wireless, West Central Wireless, Leaco, Nemont/Sagebrush. T-Mobile is not liable for delayed or undelivered messages.We take your privacy seriously. Please visit ‌https://www.edemnow.com/privacy-notice‌ to review our privacy policy. Any information that we collect when you opt into receiving SMS and MMS text messages from us is used solely for the management of our texting communications program. We do not disclose such information to any entities other than our subsidiaries and affiliates.

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