Terms of Use

Effective date: October 18, 2026 · Last updated: October 18, 2026

These Terms of Use (“Terms”) govern your use of healthshieldusa.com (the “Site”), operated by Health Shield Insurance (“Health Shield,” “we,” “us,” or “our”), an independent insurance agency based in Newark, Licking County, Ohio. By accessing or using the Site, you agree to these Terms and to our Privacy Policy. If you do not agree, please do not use the Site.

1. About Health Shield

Health Shield is an independent insurance agency owned by licensed agent Dalton Alexander (NPN 20315737). We help individuals and families compare and enroll in health, life, Medicare, and dental and vision insurance products offered by insurance companies we are appointed with. We are not an insurance company and do not issue policies, pay claims, or set rates.

2. Licensed States

Insurance products may be offered only in states where our agent is licensed: Arizona, Arkansas, Colorado, Connecticut, Florida, Georgia, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maryland, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Mexico, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, South Carolina, South Dakota, Tennessee, Texas, Utah, Virginia, Washington, West Virginia and Wyoming. Nothing on this Site is an offer to sell insurance in any state where we are not licensed. Products, plans, and availability vary by state and carrier.

3. Informational Purposes Only

Content on this Site is provided for general information only and is not legal, tax, financial, or medical advice. Plan descriptions are summaries; the policy documents issued by the insurance company control the actual terms, benefits, limitations, and exclusions of any coverage.

4. No Guarantee of Coverage, Rates, or Savings

Submitting a form or requesting a quote does not create an insurance policy, guarantee coverage, or bind any insurance company. Quotes are estimates based on the information provided. Final eligibility, underwriting decisions, premiums, and benefits are determined solely by the insurance company. Savings are not guaranteed.

5. Medicare Disclaimer

Health Shield is not connected with or endorsed by the U.S. government or the federal Medicare program. We do not offer every plan available in your area. Any information we provide is limited to the plans we do offer in your area. Please contact Medicare.gov, 1-800-MEDICARE (TTY users call 1-877-486-2048), or your local State Health Insurance Assistance Program (SHIP) to get information on all of your options.

6. Your Responsibilities

You agree to provide accurate and complete information, to submit information only about yourself or people you are authorized to act for, and to use the Site only for lawful purposes. You agree not to interfere with the Site’s operation, attempt unauthorized access, submit false or misleading information, or use automated tools to scrape or collect data from the Site.

7. Consent to Calls, Texts, and Emails

By submitting your contact information and checking the consent box on our forms, you agree that Health Shield may contact you at the phone number and email address you provide, including by calls and SMS/text messages that may be sent using automated technology, about your inquiry, insurance options, and policy service. Consent is not a condition of purchase. You may revoke consent at any time.

8. SMS Terms

Program: Health Shield Insurance quote follow-up, appointment, and policy service messages
Message frequency varies.
Message and data rates may apply. Check with your wireless carrier for details.
Reply STOP to opt out at any time. You will receive one confirmation message and no further texts unless you opt in again.
Reply HELP for help, or contact us at (740) 272-5655 or [email protected].
Wireless carriers are not liable for delayed or undelivered messages.
Your phone number and SMS consent are not shared with or sold to third parties for marketing purposes. See our Privacy Policy.

9. Third-Party Links and Tools

The Site may link to third-party websites and tools, including insurance company websites and instant-quote tools (personalized quote links). These are provided for convenience. We do not control and are not responsible for their content, accuracy, availability, or privacy practices, and your use of them is at your own risk and subject to their terms.

10. Intellectual Property

The Site and its content, including text, graphics, logos, and design, are owned by Health Shield or its licensors and are protected by copyright and trademark laws. You may view and print pages for personal, non-commercial use only. Insurance company names and logos are the property of their respective owners.

11. Disclaimer of Warranties

The Site and its content are provided “as is” and “as available” without warranties of any kind, express or implied, including warranties of accuracy, merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that the Site will be uninterrupted, error-free, or free of harmful components, or that plan information is complete or current.

12. Limitation of Liability

To the fullest extent permitted by law, Health Shield and its owner, agents, and service providers will not be liable for any indirect, incidental, special, consequential, or punitive damages, or for any loss of data, profits, or coverage, arising out of or related to your use of or inability to use the Site, even if advised of the possibility of such damages. Nothing in these Terms limits any obligation we owe you as a licensed insurance agent under applicable insurance law.

13. Indemnification

You agree to indemnify and hold harmless Health Shield and its owner and agents from claims, losses, and expenses (including reasonable attorneys’ fees) arising from your misuse of the Site or violation of these Terms.

14. Governing Law

These Terms are governed by the laws of the State of Ohio, without regard to its conflict-of-law rules. Any dispute arising from these Terms or the Site will be brought in the state or federal courts located in Ohio, and you consent to their jurisdiction, except where applicable law requires otherwise.

15. Changes to These Terms

We may update these Terms at any time by posting a revised version on this page with a new “Last updated” date. Your continued use of the Site after changes are posted means you accept the revised Terms. If any provision is found unenforceable, the remaining provisions stay in effect.

16. Contact Us

Questions about these Terms? Contact us:

Health Shield Insurance
Newark, Ohio (serving clients by phone and online)
Phone: (740) 272-5655
Email: [email protected]
Hours: Monday–Friday, 9:00 AM–6:00 PM ET