Compliance Disclaimer

Medicare Disclaimer

We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer. Please contact Medicare.gov, call 1-800-MEDICARE (1-800-633-4227), TTY 1-877-486-2048, or contact your State Health Insurance Assistance Program (SHIP) for help comparing all options available to you.

Yumi Health Group LLC is not connected with or endorsed by the U.S. government or the federal Medicare program. "Medicare" is a registered trademark of the U.S. Department of Health and Human Services. Our use of that term is solely for descriptive purposes to identify the insurance lines we work with on your behalf.

Medicare Advantage and Medicare Part D plans are offered by private insurance companies approved by Medicare. Plan availability, premiums, co-pays, formulary, and network may vary by county and change annually. Enrollment in a Medicare Advantage plan may result in the loss of Original Medicare benefits for services not covered by your chosen plan.

We encourage beneficiaries to review the Annual Notice of Change (ANOC) each fall and to revisit plan options during the Annual Enrollment Period (October 15 – December 7) or any applicable Special Enrollment Period.

ACA / Marketplace Disclaimer

New Jersey's official ACA Marketplace is Get Covered NJ, operated by the New Jersey Department of Banking and Insurance. We are a licensed New Jersey producer authorized to assist consumers with enrollment through Get Covered NJ and directly through participating carriers.

Premium tax credits and cost-sharing reductions are based on household income, family size, and other factors. Eligibility determinations are made by the Marketplace, not by Yumi Health. We make every effort to provide accurate subsidy estimates; however, actual credit amounts are determined at the time of enrollment and may differ from preliminary estimates.

Licensure

Yumi Health Group LLC is a licensed insurance producer in the State of New Jersey. Our agents are licensed, appointed, and bound by the regulations of the New Jersey Department of Banking and Insurance. Producer license information is available upon request. All agents hold active NJ health insurance producer licenses and complete annual AHIP certification and carrier-specific certifications before marketing Medicare plans.

Scope of Appointment (SOA) — Medicare

In compliance with CMS regulations, a Scope of Appointment (SOA) form must be completed and signed prior to any Medicare sales appointment. The SOA documents which Medicare products the beneficiary has agreed to discuss. Our agents are required to obtain a completed SOA before any Medicare Advantage or Part D plan discussion. SOA forms are retained in our compliance records for a minimum of 10 years as required by CMS.

No Guarantee of Coverage

Yumi Health and its agents do not guarantee that any particular insurance plan will be available to you, that you will qualify for any specific coverage, or that any plan will cover specific treatments, procedures, or medications. All insurance products are subject to the terms, conditions, exclusions, and limitations set by the issuing carrier. Enrollment is subject to CMS enrollment windows, carrier underwriting where applicable, and eligibility requirements.

Plans Vary by Location

Insurance plan availability, premiums, benefits, provider networks, and drug formularies vary significantly by state, county, and zip code. The plans, rates, and coverage options discussed during your consultation are specific to your location and individual circumstances. Plan details are subject to change. Information provided is based on the most current data available at the time of your consultation, and we recommend verifying details directly with the carrier before enrollment.

AI Tool Disclaimer (Yumi AI™ — Beta)

The Yumi AI™ assistant available in our client portal and on this website is an informational tool currently in Beta. AI-generated responses are provided for general informational purposes only and may be inaccurate, incomplete, or out of date. Yumi AI does not constitute insurance, legal, tax, medical, or financial advice. AI responses are not reviewed by a licensed agent in real time. Always confirm important coverage decisions, enrollment actions, and eligibility questions directly with your licensed Yumi Health agent. By using Yumi AI, you acknowledge these limitations.

Careers — Benefits Disclaimer

Benefits, compensation, bonuses, and perks described on our Careers page — including signing bonus, company vehicle, company phone, E&O coverage, AHIP reimbursement, lead programs, and marketing support — are subject to role, employment classification (W-2 or 1099), individual performance, and eligibility as determined by Yumi Health Group LLC at its discretion. Benefits may vary by position and are subject to change. Nothing on the Careers page constitutes a contract of employment or guarantee of specific compensation.

No Legal or Medical Advice

The information and guidance we provide is general in nature and for informational purposes only. It does not constitute legal, tax, medical, or financial advice. For advice specific to your individual circumstances, please consult a qualified professional. Insurance coverage descriptions are summaries only — please refer to the actual plan documents (Evidence of Coverage, Summary of Benefits) for complete details on coverage, costs, exclusions, and limitations.

Yumi Health Group LLC · Licensed Insurance Agency · New Jersey · Regulated by NJ Department of Banking and Insurance (NJ DOBI) · Not affiliated with Medicare, CMS, or any government agency

Contact Us

Questions about our disclosures or licensure? Contact us at:

Yumi Health Group LLC
411 Hackensack Avenue Suite 200, Hackensack, NJ 07601
contact@yumihealthgroup.com
(201) 633-7713