Terms of Use
The short version: this website is general information, not insurance advice for your specific situation, and it isn't an offer to sell you a plan.
Last updated: September 14, 2026
What this website is
This website provides general educational information about the Medicare program and about working with an independent insurance broker. It is intended to help you understand your options and decide whether to talk with someone.
What this website is not
- It is not an offer to sell insurance. No coverage is provided by using this site, and nothing here creates an insurance contract.
- It is not personalized advice. Everything here is general. The right choice for you depends on your doctors, prescriptions, county, budget and circumstances — which is why the next step is a conversation, not a web page.
- It is not a complete list of plans. We do not offer every plan available in your area. The notice directly above the footer on every page explains this and tells you how to get the complete list from Medicare.
- It is not affiliated with the government. Nick Heyse Insurance is an independent licensed insurance brokerage. We are not connected with, endorsed by, or acting on behalf of the U.S. government, the Centers for Medicare & Medicaid Services, or any Medicare plan. Medicare has not reviewed or approved this website.
Accuracy and changes
Medicare rules, enrollment dates, plan availability and costs change. We work to keep this site current and review it regularly, but we can't guarantee that every detail reflects the most recent rule change at the moment you read it.
Always confirm important details at Medicare.gov or by calling 1-800-MEDICARE. 1-800-MEDICARE is available 24 hours a day, 7 days a week. The official sources are the authority, not this website.
Third-party links and services
This site links to other websites, including Medicare.gov, the Kansas Insurance Department, social media platforms, and appointment or enrollment tools operated by other companies. We don't control those sites and we're not responsible for their content, their privacy practices, or their availability. Links are provided as a convenience.
When you use a third-party scheduling or enrollment tool, that company's terms and privacy policy apply to your use of it.
No guarantee of results
Nothing on this site promises a particular outcome, a particular savings, or that any specific plan will be available to you. Plan availability varies by county and by contract year, and carriers may change or discontinue plans. Any decision to enroll is yours, made after you have the information you need.
Your responsibilities
- Provide accurate information when you choose to work with us. Enrollment details must be correct for your coverage to be valid.
- Don't send sensitive personal information through the website contact form — see the privacy policy.
- Confirm anything critical with the official Medicare sources before relying on it.
Intellectual property
The text, layout and design of this website belong to Nick Heyse Insurance. You're welcome to read, print, and share pages for personal use. Please don't reproduce the site's content commercially or present it as your own.
Trademarks and names belonging to other organizations — including Medicare, carrier names, and social media platforms — belong to their respective owners and are used here only for identification.
Limitation of liability
This website is provided "as is." To the fullest extent permitted by law, Nick Heyse Insurance is not liable for any loss arising from reliance on the general information presented here, or from your use of linked third-party websites. Nothing in these terms limits any right you have under applicable insurance or consumer protection law.
Governing law
These terms are governed by the laws of the State of Kansas.
Contact
Questions about these terms: (913) 472-2330 or [email protected].