Terms of Use

Effective Date: August 24, 2026

These Terms of Use (“Terms”) govern your access to and use of the Eterna Life & Health website, online forms, insurance-information tools, appointment services, and related online features (collectively, the “Website”).

By accessing or using the Website, you acknowledge that you have read, understood, and agree to these Terms and our Privacy Policy. If you do not agree, please do not use the Website.

1. About Eterna Life & Health

Eterna Life & Health (“Eterna,” “we,” “us,” or “our”) is an independent insurance agency that assists consumers with Medicare, Health Insurance Marketplace, and other health insurance coverage.

Eterna Life & Health is not affiliated with or endorsed by the U.S. government, Medicare, the Centers for Medicare & Medicaid Services, HealthCare.gov, or the Health Insurance Marketplace.

Calling a telephone number displayed on this Website will connect you with a licensed insurance agent.

2. General Information Only

The information provided on this Website is for general informational purposes and is not intended to constitute legal, tax, financial, or medical advice.

Insurance laws, regulations, eligibility requirements, premiums, benefits, provider networks, formularies, cost-sharing amounts, subsidies, and plan availability may change and may vary based on location and individual circumstances.

You should review the applicable insurance carrier’s official plan documents before making an enrollment decision. If information on this Website conflicts with official plan documents, government eligibility notices, an Evidence of Coverage, Summary of Benefits, insurance policy, or carrier contract, the official document controls.

3. No Guarantee of Eligibility, Coverage, or Enrollment

Using the Website, requesting a quote, scheduling an appointment, or submitting a contact form does not:

Guarantee eligibility for Medicare, Medicaid, Marketplace subsidies, premium tax credits, or any insurance plan
Guarantee approval or enrollment
Create or activate insurance coverage
Bind an insurance carrier
Guarantee that a doctor, hospital, pharmacy, prescription drug, or other provider or service will be covered
Guarantee a particular premium, deductible, copayment, coinsurance amount, benefit, or effective date
Create an agent-client relationship until Eterna agrees to assist you

Eligibility and enrollment decisions are made by the applicable government agency, Marketplace, insurance carrier, or plan administrator.

Insurance coverage is not effective until the application is accepted and the applicable carrier or government program confirms the coverage and effective date. Payment of any required premium may also be necessary.

4. Medicare Plan Information

Eterna Life & Health does not offer every Medicare plan available in every service area. The information we provide is limited to plans we are authorized and contracted to offer.

Current Medicare plan availability depends on the beneficiary’s ZIP code, county, eligibility, enrollment period, carrier contracts, and other applicable requirements.

Consumers may contact Medicare.gov, call 1-800-MEDICARE, or contact their local State Health Insurance Assistance Program to obtain information about all available Medicare options.

The complete CMS-required TPMO disclaimer, including the current number of organizations and products Eterna represents, will be displayed separately on the Website where required.

5. Marketplace Information

Marketplace eligibility, Medicaid eligibility, premium tax credits, cost-sharing reductions, and other financial assistance are determined by the Health Insurance Marketplace or another authorized government agency—not by Eterna Life & Health.

Estimates generated through the Website or an enrollment platform are not final eligibility determinations. Consumers are responsible for reviewing official eligibility notices and promptly submitting any requested documents.

Changes in income, household composition, address, immigration status, tax-filing status, or access to other coverage may affect eligibility and financial assistance. Consumers are responsible for reporting required changes to the Marketplace.

6. Quotes and Plan Comparisons

Quotes and plan comparisons are estimates based on the information available at the time and the information supplied by the consumer.

Final premiums, benefits, provider networks, drug formularies, cost-sharing amounts, subsidy eligibility, and coverage terms must be confirmed through the applicable insurance carrier, Medicare, HealthCare.gov, or authorized enrollment platform.

Before enrolling, consumers should verify:

Doctors and healthcare facilities with the insurance carrier
Prescription-drug coverage and formulary placement
Pharmacy network participation
Premiums, deductibles, copayments, and coinsurance
Referral and prior-authorization requirements
Service-area requirements
Out-of-network limitations
Dental, vision, hearing, transportation, over-the-counter, and other supplemental benefits

Provider directories and formularies can change. A provider’s participation in one plan does not mean the provider participates in every plan offered by the same carrier.

7. Your Responsibilities

When using the Website or requesting insurance assistance, you agree to:

Provide complete, current, and accurate information
Submit information only for yourself or individuals whom you are legally authorized to represent
Review applications and plan selections before submission
Correct errors promptly
Protect account credentials, verification codes, and sensitive personal information
Use secure enrollment methods when instructed
Review all notices from the Marketplace, Medicare, Medicaid, insurance carriers, and Eterna
Pay required premiums directly to the insurance carrier using an approved payment method
Notify the appropriate Marketplace, agency, carrier, or Eterna of relevant changes

You are responsible for the consequences of inaccurate, incomplete, outdated, or unauthorized information you provide.

8. Authorized Representatives and Household Information

If you submit information for another person, including a spouse, dependent, or household member, you represent that you have authorization to provide that information and request assistance on the person’s behalf.

You may not submit another person’s information without permission or impersonate another individual.

9. No Fees for Basic Enrollment Assistance

Eterna may receive commissions from insurance carriers when permitted by law. Consumers are not charged an additional premium because they use a licensed agent.

If Eterna ever offers a separate service that requires a consumer fee, the fee and applicable terms will be clearly disclosed and agreed to before the service is provided.

10. Communications and Consent

When you provide your telephone number or email address and request assistance, you authorize Eterna to respond regarding that request.

If you separately consent to receive telephone calls, text messages, or marketing emails, your consent is not a condition of purchasing or enrolling in insurance. Message and data rates may apply.

You may withdraw consent for promotional communications by:

Replying “STOP” to a text message
Using an email unsubscribe link, when available
Calling 313-200-0200
Emailing health@eternaplans.com

Withdrawal of marketing consent does not prevent communications necessary to complete a service you requested or address an existing application.

11. Privacy

Your use of the Website is also governed by our Privacy Policy, which explains how we collect, use, disclose, and safeguard personal information.

Please do not send Social Security numbers, financial information, Medicare identification numbers, immigration documents, or other highly sensitive information through ordinary email or a general contact form. Use an approved secure enrollment platform or another secure method provided by Eterna.

12. Third-Party Websites and Services

The Website may contain links to or integrate with third-party services, including:

HealthCare.gov
Medicare.gov
HealthSherpa
Insurance-carrier websites
Quoting and enrollment platforms
Appointment-scheduling services
Website hosting and communications providers

These third parties operate independently and have their own terms, privacy policies, security practices, and accessibility standards.

Eterna does not control and is not responsible for the availability, accuracy, content, security, or practices of third-party websites. A link does not necessarily constitute an endorsement.

Your use of a third-party service is governed by that service’s terms and policies.

13. Prohibited Uses

You may not use the Website to:

Violate any law or regulation
Submit false, misleading, fraudulent, or unauthorized information
Impersonate another person
Attempt to access another person’s information
Interfere with the operation or security of the Website
Upload malware or harmful code
Probe, scan, or test the Website for vulnerabilities without written authorization
Scrape, copy, or harvest information using automated methods
Send spam or unsolicited communications
Infringe intellectual-property, privacy, or other legal rights
Use Website content to misrepresent yourself as Eterna, an insurance carrier, or a government agency

We may restrict or terminate access when we reasonably believe the Website is being misused.

14. Intellectual Property

Unless otherwise stated, the Website’s design, text, graphics, logos, branding, images, and original content are owned by or licensed to Eterna Life & Health and are protected by applicable intellectual-property laws.

You may use the Website for personal, noncommercial purposes related to obtaining insurance information or assistance.

You may not reproduce, modify, distribute, sell, publish, display, or commercially exploit Website content without prior written permission, except where permitted by law.

Insurance-carrier names, plan names, government marks, and third-party logos belong to their respective owners.

15. Website Availability and Accuracy

We make reasonable efforts to keep the Website accurate and available, but we do not guarantee that:

The Website will always be available or uninterrupted
Information will always be complete, current, or error-free
Technical errors will be corrected immediately
Every Website feature will work with every browser or device
The Website will be free from all security threats

We may update, suspend, restrict, or discontinue any part of the Website without prior notice.

16. Disclaimer of Warranties

To the fullest extent permitted by law, the Website and its content are provided on an “as is” and “as available” basis.

Eterna disclaims warranties not expressly stated in these Terms, including implied warranties of merchantability, fitness for a particular purpose, title, and non-infringement.

Nothing in these Terms excludes a warranty or consumer protection that cannot legally be excluded.

17. Limitation of Liability

To the fullest extent permitted by law, Eterna Life & Health and its owners, agents, employees, contractors, and service providers will not be liable for indirect, incidental, special, consequential, or punitive damages arising from the use of or inability to use the Website.

Eterna is not responsible for losses resulting from:

Inaccurate or incomplete information supplied by a consumer
Changes made by an insurance carrier or government agency
A consumer’s failure to review official documents or respond to notices
Provider-network or formulary changes
Third-party website, platform, or system failures
Unauthorized access caused by circumstances beyond our reasonable control
Coverage decisions made by an insurance carrier, Marketplace, Medicare, Medicaid, or another government program

These limitations apply only to the extent permitted by applicable law and do not limit liability that cannot legally be excluded.

18. Indemnification

To the extent permitted by law, you agree to be responsible for claims, losses, or expenses arising from your intentional misuse of the Website, fraudulent conduct, violation of these Terms, or unauthorized submission of another person’s information.

This section does not apply to claims resulting from Eterna’s own unlawful conduct or negligence where liability cannot legally be limited.

19. Accessibility

Eterna Life & Health is committed to making its Website accessible to all individuals, including people with disabilities.

If you experience difficulty accessing any part of the Website, call 313-200-0200 or email [INSERT EMAIL ADDRESS]. We will make reasonable efforts to provide the requested information or service through an accessible alternative.

20. Governing Law

These Terms are governed by the laws of the State of Michigan and applicable federal law, without regard to conflict-of-law principles.

Any dispute relating to these Terms or the Website will be handled in a court with appropriate jurisdiction, unless the parties agree to another lawful resolution method.

21. Severability

If any provision of these Terms is found invalid or unenforceable, the remaining provisions will continue in effect. The invalid provision will be interpreted or limited to the minimum extent necessary to make it enforceable where permitted by law.

22. No Waiver

A failure by Eterna to enforce a provision of these Terms does not waive the right to enforce that provision later.

23. Changes to These Terms

We may update these Terms when our services, Website features, business practices, or legal obligations change.

Updated Terms will be posted on this page with a revised effective date. Your continued use of the Website after the revised Terms take effect constitutes acceptance of the updated Terms.

24. Contact Us

Questions about these Terms may be directed to:

Eterna Life & Health
Belle Isle LLC
18505 Grand River Ave
Detroit, Michigan, 48223
Phone: 313-200-0200
Email: health@eternaplans.com