Terms of Service
Last Updated: March 31, 2026
Welcome to sjmcares.com, operated by SJM Insurance Services, LLC. By accessing and using this website, you agree to the following terms and conditions.
About This Website
This website is owned and operated by SJM Insurance Services, LLC, a licensed health and life insurance brokerage in New York and New Jersey (License #LB-1024797). This website is a solicitation for insurance.
Medicare Disclaimer
We do not offer every plan available in your area. Currently we represent 12 organizations which offer Medicare Advantage HMO, PPO, PFFS, and PDP plans in your area. Please contact Medicare.gov, 1-800-MEDICARE (TTY: 1-877-486-2048), or your local State Health Insurance Assistance Program (SHIP) to get information on all of your options.
SJM Insurance Services, LLC is not connected with or endorsed by the United States Government or the federal Medicare program.
The Medicare plans represented are PDP, HMO, PPO, and PFFS plans that have a Medicare contract. Enrollment in these plans depends on the plan's contract renewal with Medicare.
Dual Special Needs Plans (D-SNP)
D-SNP plans are available to individuals who are eligible for both Medicare and Medicaid. Eligibility requirements, benefits, and benefit amounts vary by plan and service area. The information provided on this website regarding D-SNP benefits is for general informational purposes and does not represent a complete description of benefits for any specific plan.
No Professional Advice
The information on this website is provided for general informational purposes only and does not constitute professional financial, medical, or legal advice. Always consult with a licensed professional before making insurance or financial decisions.
Consent to Contact
By submitting a form on this website, you consent to be contacted by a licensed insurance agent from SJM Insurance Services, LLC at the phone number you provided regarding Medicare Advantage, D-SNP, or other insurance options. Standard message and data rates may apply. You are under no obligation to enroll in any plan. Your personal information will not be shared with other Third Party Marketing Organizations (TPMOs) without your explicit, one-to-one written consent, in accordance with 42 CFR §422.2274 and CMS Final Rule CMS-4205-F.
Call Recording
In accordance with CMS regulations under 42 CFR §422.2274(g)(2)(ii), all marketing, sales, and enrollment calls — both inbound and outbound — are recorded in their entirety. This includes the audio portion of any web-based interactions. You will be informed that the call is being recorded at the beginning of any such call. Recordings are retained in accordance with applicable federal and state regulations.
Data Privacy and Sharing
In compliance with the CMS Contract Year 2025 Final Rule (CMS-4205-F), effective October 1, 2024, any personal beneficiary data collected through this website will only be shared with another Third Party Marketing Organization (TPMO) with your prior express written consent obtained on a one-to-one basis. Your data will not be sold or distributed to unaffiliated marketing organizations.
Intellectual Property
All content on this website, including text, graphics, logos, and design, is the property of SJM Insurance Services, LLC and is protected by applicable copyright and trademark laws.
Limitation of Liability
SJM Insurance Services, LLC shall not be liable for any damages arising from the use of or inability to use this website or the information provided herein.
Changes to Terms
We reserve the right to modify these terms at any time. Continued use of the website constitutes acceptance of any changes.
Contact
SJM Insurance Services, LLC
1074 Coney Island Avenue, Brooklyn, NY 11230
Phone: (347) 696-6757
Email: hamad@sjmcares.com