PHGmembers, LLC Terms & Conditions

Effective Date: [2/17/2026]

Welcome to PHGmembers.com (the “Site”), owned and operated by PHGmembers, LLC. By accessing or using this Site, you agree to these Terms & Conditions.

1. Purpose of the Site

This Site is provided for educational purposes only. We offer information about Medicare and related educational content. We do not guarantee any specific health care coverage or benefits.

2. No Affiliation with Medicare

PHGmembers, LLC is not affiliated with, endorsed by, or connected to the U.S. Government or Medicare. Any reference to Medicare is for educational purposes only.

3. Independent Brokerage

We are a licensed independent insurance brokerage that represents a variety of private insurance carriers. We may discuss and provide information about Medicare Advantage and other Medicare-related products offered by carriers with whom we contract.

We do not represent all plans available in every area. Information provided is limited to plans offered through carriers we represent.

4. User Information and Consent

By submitting your information through the Site, you authorize PHGmembers, LLC to contact you regarding your requests and webinar information. You acknowledge that communications may be made via phone, email, or SMS where consent is provided.

5. Use of the Site

You agree to use this Site for lawful purposes only. You may not use the Site in ways that:

  • Violate applicable laws or regulations

  • Interfere with the Site’s operation

  • Attempt to gain unauthorized access to systems or personal information

6. Intellectual Property

All content on the Site, including text, graphics, logos, and materials, is the property of PHGmembers, LLC or its licensors. You may not reproduce or distribute content without written permission.

7. Disclaimers

The information on this Site is provided “as is” without warranties of any kind. We do not guarantee accuracy, completeness, or suitability for your specific situation. You should consult appropriate professionals for personalized advice.

8. Limitation of Liability

PHGmembers, LLC shall not be liable for any direct, indirect, incidental, or consequential damages arising from your use of this Site or reliance on its content.

9. Changes to Terms

We may change these Terms at any time. Updated Terms will be posted on this page with a revised effective date. Continued use of the Site constitutes acceptance of the changes.

10. Governing Law

11. Description of SMS Use Cases

Prosperity Health Group LLC may send SMS messages for:

  • Appointment reminders

  • Scheduling confirmations

  • Service notifications

  • Billing alerts

  • Customer support communications

  • Marketing and promotional messages (if consented)

Message frequency may vary.

12. Opt-Out Instructions

You may opt out of SMS communications at any time by replying:

STOP

After you send STOP, you will receive confirmation and will no longer receive SMS messages.

13. Customer Support Contact

For help, reply HELP or contact us at:

Phone: [470-683-6551]
Email: [[email protected]]

14. Message & Data Rate Disclosure

Message and data rates may apply depending on your mobile carrier and plan.

15. Carrier Liability Disclaimer

Carriers are not liable for delayed or undelivered messages.

16. Age Restriction (18+)

You must be at least 18 years old to opt in to receive SMS communications from Prosperity Health Group LLC.

17. Link to Privacy Policy

Please review our Privacy Policy here:
[medicare101.phgmembers.com/privacy-policy

These Terms shall be governed by the laws of the state where PHGmembers, LLC is registered.

Contact Us:
PHGmembers, LLC
Email: [[email protected]]
Address: [7901 4TH ST N, STE 300, ST. PETERSBURG, FL 33702]