The Medicare Dude

Terms of Use

Effective Date: May 22, 2026

Welcome to TheMedicareDude.com (the "Site"), operated by William Gray, an independent licensed insurance agent ("we," "us," or "our"). By accessing or using this Site, you agree to be bound by these Terms of Use. If you do not agree, please do not use this Site.

1. Informational Purposes Only

The content on this Site is provided for general informational purposes only. Nothing on this Site constitutes legal, financial, or medical advice. Medicare plan details, premiums, benefits, and networks change annually. Always verify current information at Medicare.gov or by calling 1-800-MEDICARE (1-800-633-4227).

2. Not a Government Website

This Site is not affiliated with, endorsed by, or operated by the United States government, the Centers for Medicare & Medicaid Services (CMS), the Social Security Administration, or any other government agency. Medicare has neither reviewed nor endorsed the information on this Site.

3. No Guarantee of Plan Availability

Plan availability varies by county and ZIP code. Not all plans described on this Site are available in every area. We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.

4. Intellectual Property

All content on this Site — including text, graphics, logos, and images — is the property of William Gray or its content suppliers and is protected by applicable copyright and trademark laws. You may not reproduce, distribute, or create derivative works without our express written permission.

5. User Conduct

You agree not to:

  • Use this Site for any unlawful purpose
  • Attempt to gain unauthorized access to any portion of the Site
  • Transmit any harmful, offensive, or disruptive content
  • Use automated tools to scrape or harvest content from the Site

6. Third-Party Links

This Site may contain links to third-party websites. These links are provided for your convenience only. We have no control over the content of those sites and accept no responsibility for them or for any loss or damage that may arise from your use of them.

7. Disclaimer of Warranties

This Site is provided on an "as is" and "as available" basis without any warranties of any kind, either express or implied. We do not warrant that the Site will be uninterrupted, error-free, or free of viruses or other harmful components.

8. Limitation of Liability

To the fullest extent permitted by law, William Gray shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or related to your use of this Site or reliance on any information provided herein.

9. Privacy

Your use of this Site is also governed by our Privacy Policy, which is incorporated into these Terms by reference.

10. Changes to These Terms

We reserve the right to modify these Terms at any time. Changes will be effective immediately upon posting to the Site. Your continued use of the Site after any changes constitutes your acceptance of the new Terms.

11. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of Florida, without regard to its conflict of law provisions.

12. Contact

Questions about these Terms? Contact us at: [email protected] or call (386) 871-3858.

We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE (TTY: 1-877-486-2048) to get information on all of your options.

Not affiliated with or endorsed by the U.S. government or the federal Medicare program. This is an advertisement for insurance. William Gray and affiliated licensed agents are independent insurance agents, not government employees or representatives. Medicare has neither reviewed nor endorsed this information.

Not all plans or types of coverage may be available in your area. Plan availability, benefits, and premiums vary by county and ZIP code. Enrollment in any plan depends on contract renewal. Benefits, premiums, and cost-sharing may change on January 1 of each year.

Independent Agent & Compensation Disclosure. William Gray is an independent licensed insurance agent (FL License #W690237) and is not employed by or exclusively affiliated with any single insurance company. William is compensated by insurance carriers when you enroll in a plan. This compensation does not affect the premium you pay — your premium is the same whether you enroll through a broker or directly with the carrier. Affiliated agents are independent contractors solely responsible for their own conduct and representations.

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