Terms of Service.

Effective Date: May 11, 2026

These Terms of Service ("Terms") govern your use of the Texas Hill Country Medicare website at texashillcountrymedicare.com and the services provided by Mark Steinberg, licensed independent insurance agent. By using this website or our services, you agree to these Terms.

1. About Texas Hill Country Medicare

Texas Hill Country Medicare is the business name of Mark Steinberg, an independent insurance agent licensed in Texas (License #1994362) and 15 additional states, with National Producer Number (NPN) 17559214. Mark is not affiliated with the federal government, Medicare, Social Security Administration, or any specific carrier. He is an independent agent who represents multiple Medicare and insurance carriers.

2. Nature of Service

Our service includes:

• Free educational consultations about Medicare and related insurance products
• Comparison of plans across the carriers we represent
• Assistance with enrollment applications
• Ongoing support during the policy year (claims questions, network changes, annual reviews)

Our service does not include:

• Legal, tax, financial, or medical advice
• Recommendations of plans we do not represent
• Guarantees of specific outcomes, prices, or coverage

3. We Do Not Offer Every Plan Available

4. No Cost To You

Our service is free to you. We are paid by the insurance carriers when you enroll in a plan, at standard commission rates set by each carrier. Working with us does not increase your premium — carrier rates are the same whether you enroll through an independent agent, directly with the carrier, or through any other channel.

5. Educational Content Disclaimer

The blog posts, comparison tables, quizzes, and educational content on this website are provided for general informational purposes only. They are not specific recommendations for any individual's situation. Medicare and insurance rules are complex and change frequently. Always confirm any rule, deadline, or benefit by:

• Reviewing official Medicare materials at Medicare.gov
• Reading your specific plan's Evidence of Coverage (EOC) or Annual Notice of Change (ANOC)
• Speaking with a licensed agent (us or another)

6. Plan Information Accuracy

We make reasonable efforts to keep plan information, premiums, and benefit summaries current. However, Medicare plans change annually — premiums, formularies, networks, and benefits update each year. Any plan information presented on this site is for general comparison purposes and may not reflect the most current details. Always verify current plan details with the carrier or during a personal consultation before enrolling.

7. Medicare Plan Quiz Disclaimer

The Medicare Plan Quiz on this website is an educational tool only. It does not recommend specific carriers, specific plans, or guarantee any outcome. The result is general guidance based on five high-level questions. Actual plan selection requires consideration of your prescriptions, doctors, ZIP code, and detailed financial situation — which a quiz cannot capture. Always consult a licensed agent before enrolling in any plan.

8. Use of the Website

You agree to use this website only for lawful purposes. You agree not to:

• Submit false information through our forms
• Scrape, copy, or republish our content without permission
• Attempt to disrupt the website's operation or security
• Use automated tools (bots, scrapers) to access the site
• Impersonate any other person

We reserve the right to refuse service to anyone who violates these Terms.

9. Intellectual Property

The content on this website — including written content, blog posts, educational guides, comparison tables, design, code, and the Texas Hill Country Medicare brand — is the property of Mark Steinberg / Texas Hill Country Medicare. You may not reproduce, distribute, or use this content for commercial purposes without written permission. You may share links to our pages and quote brief excerpts with attribution.

10. Third-Party Content and Links

We may link to or reference third-party content, including carrier websites, Medicare.gov, and other resources. We do not control these external sites and are not responsible for their content, accuracy, privacy practices, or availability. Visit them at your own risk.

Stock images of seniors used on this website (where indicated) are not images of actual clients. They are licensed stock photos used for illustration only.

11. Limitation of Liability

To the maximum extent permitted by Texas law, Mark Steinberg and Texas Hill Country Medicare are not liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of this website or our services. This includes any damages from:

• Reliance on educational content for personal decision-making
• Plan changes by carriers after enrollment
• Errors or omissions in plan information
• Website downtime, errors, or security breaches

Our total liability for any claim related to our services or this website is limited to the commissions actually paid to us for your enrollment, if any.

12. Indemnification

You agree to indemnify and hold harmless Mark Steinberg and Texas Hill Country Medicare from any claims arising from your misuse of the website, violation of these Terms, or violation of any third-party rights.

13. Governing Law

These Terms are governed by the laws of the State of Texas. Any disputes will be resolved in the courts of Bexar County, Texas.

14. Texas Department of Insurance

Mark Steinberg is regulated by the Texas Department of Insurance (TDI). If you have a complaint or wish to verify Mark's license status:

• License lookup: tdi.texas.gov/agent/agent.html
• TDI Consumer Help Line: 1-800-252-3439
• File a complaint: tdi.texas.gov/consumer/complfrm.html
• NIPR (National lookup): NPN 17559214 — verify at nipr.com

15. Changes to These Terms

We may update these Terms from time to time. The "Effective Date" at the top will be revised. Continued use of the website after changes are posted constitutes acceptance of the updated Terms.

16. Contact Us

Questions about these Terms?

• Phone: (210) 573-1319
• Email: msteinberg43@gmail.com
• Mail: Mark Steinberg, 17803 La Cantera Terrace, San Antonio, TX 78256