Health Wealth Simplified LLC dba Mere and Mere Benefits
Effective Date: April 25, 2024 | Last Updated: May 8, 2026
These Terms & Conditions ("Terms") govern your access to and use of the website merebenefits.com and related services operated by Health Wealth Simplified LLC, doing business as Mere and Mere Benefits ("Mere," "we," "us," or "our"). By accessing or using our website or services, you agree to be bound by these Terms. If you do not agree, please do not use our website or services.
1. Agreement to Terms
By accessing and using the Mere Benefits website ("Site"), you agree to be bound by these Terms & Conditions. If you do not agree, please do not use the Site.
2. Use of Services
Mere provides educational content, consulting, and brokerage services related to health insurance, retirement planning, and benefits programs. Our website and services are intended for personal, non-commercial use. You agree not to misuse our website or engage in unlawful, fraudulent, or harmful activities.
You must be at least 18 years old to use our services. We do not knowingly collect or provide services to minors.
By using this Site, you also agree not to:
- Use the site for any unlawful purpose
- Submit false or misleading information
- Attempt to access unauthorized areas of the site
- Interfere with the proper functioning of the site
- Scrape, copy, or reproduce content without permission
3. Insurance Solicitation Disclosure
This is a solicitation of insurance. A licensed insurance agent with Mere Benefits is contracted with multiple insurance carriers offering Medicare Advantage, Medicare Supplement, Prescription Drug Plans, ACA Marketplace plans, life insurance, and other products.
Enrollment in plans depends on contract renewal. We do not offer every plan available in your area. For complete information on all your options, please contact:
- Medicare.gov or 1-800-MEDICARE (TTY: 1-877-486-2048)
- Healthcare.gov for ACA Marketplace plans
4. Electronic Communications & Consent
By providing your contact information to Mere, you consent to receive communications from us, including but not limited to:
- Text messages (SMS/MMS)
- Emails
- Phone calls (live or automated)
- Ringless voicemails
Some communications may be automated or delivered using AI tools. Message frequency may vary. Standard message and data rates may apply.
Opt-Out
You may unsubscribe at any time by replying STOP to a text or using the unsubscribe link in emails.
Condition of Service
While consent to receive SMS is not required to purchase insurance from any carrier, Mere requires consent to electronic communications in order to provide servicing and act as your agent.
TCPA & State Law Compliance
Mere complies with the federal Telephone Consumer Protection Act (TCPA) and applicable state laws, including the Texas "Mini-TCPA" (SB 140). We require express written consent before sending any marketing text messages (SMS/MMS). We honor all opt-out requests promptly and do not send marketing communications outside legally permitted hours (generally 9:00 a.m. to 9:00 p.m. local time).
5. Educational Disclaimer
All information provided through our website, newsletters, webinars, or communications is for educational purposes only. It should not be considered legal, tax, accounting, or investment advice. Please consult licensed professionals in those fields for personalized guidance.
6. No Government Affiliation
Mere is a private, independent insurance and retirement services firm. We are not affiliated with, endorsed by, or acting on behalf of:
- The U.S. government
- The Centers for Medicare & Medicaid Services (CMS)
- The Health Insurance Marketplace (HealthCare.gov)
- The Social Security Administration (SSA)
- Medicare or Medicaid programs
All Social Security analysis and retirement planning services are provided independently by Mere and are not official government services.
7. Services & Compensation
Mere Benefits provides free insurance guidance and plan comparison services. Our agents are licensed in the State of Florida and other applicable states. We are compensated by insurance carriers, not by you — our guidance is free of charge.
8. Accuracy of Information
We strive to provide accurate, current information on our website. However, insurance plans, premiums, benefits, and eligibility requirements change frequently. The information on this site is for general guidance purposes only and should not be considered a guarantee of coverage, pricing, or benefits.
Always verify plan details directly with the insurance carrier before enrolling.
9. Intellectual Property
All content on our website — including text, graphics, logos, images, and code — is the property of Health Wealth Simplified LLC and is protected by copyright and intellectual property laws.
We grant you a limited, non-transferable license to access and use our website for personal purposes only. You may not copy, reproduce, sell, or distribute our content without prior written consent.
10. Cookies & Tracking
Our website uses cookies and analytics tools to improve functionality and user experience. You can disable cookies in your browser settings. For more details, please review our Privacy Policy.
11. Third-Party Links
Our Site may contain links to third-party websites (e.g., Medicare.gov, Healthcare.gov, insurance carrier sites). We are not responsible for the content, privacy practices, or accuracy of these external sites. We recommend reviewing the terms and privacy policies of any third-party sites you visit.
12. Limitation of Liability
We make no warranties, express or implied, about the accuracy, reliability, or availability of our website or services. Your use of our information and services is at your own risk. Mere shall not be liable for any direct, indirect, incidental, or consequential damages arising out of your use of our website, participation in events, or reliance on educational materials. Insurance decisions should be made in consultation with a licensed agent.
13. Indemnification
You agree to indemnify and hold harmless Health Wealth Simplified LLC dba Mere and Mere Benefits from any claims, damages, or expenses arising from your use of our website or services, including misuse of information provided.
14. Termination of Services
Mere reserves the right to suspend or terminate your access to our website or services at any time, including if:
- You misuse our services
- You withdraw electronic communication consent
- You engage in unlawful, fraudulent, or abusive conduct
15. Force Majeure
We are not responsible for delays or interruptions caused by events outside our reasonable control, including natural disasters, pandemics, internet outages, or government restrictions.
16. Governing Law & Dispute Resolution
These Terms shall be governed by the laws of the State of Florida. Any disputes shall be resolved in the courts of Duval County, Florida, unless otherwise required by law.
At our option, disputes may also be resolved through binding arbitration. By using our services, you waive the right to participate in class action lawsuits against Mere.
17. Changes to These Terms
We reserve the right to update these Terms & Conditions at any time. Changes will be posted on this page with an updated date. Continued use of our website or services after updates constitutes acceptance of the revised Terms. We recommend reviewing this page periodically.
18. Contact Us
For questions about these Terms, please contact us:
Mere Benefits (Health Wealth Simplified LLC)
9428 Baymeadows Rd. STE 137
Jacksonville, FL 32256
Phone: (904) 654-5450
Email: info@merebenefits.com
Licensed Insurance Agency — Not connected with or endorsed by the United States government or the federal Medicare program.
We do not offer every plan available in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.
Medicare has neither reviewed nor endorsed this information.