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Insurance Disclaimer

Please review the following Notices before continuing.

A. The insurance carriers have the right to change the rules, regulations, terms of coverage, availability and guidelines that are placed on the application, policies and enrollment at any time. USFSB continues to make every effort to keep up to date with the rules, regulations, terms of coverage, availability and guidelines that the insurance carriers determine; however, USFSB cannot guarantee that the website has been updated to reflect the current rules, regulations, terms of coverage, availability and guidelines.

B. Rates change periodically depending on the carrier, open enrollment for the carrier and the type of available insurance products. USFSB continues to make every effort to verify these rates for our members; however, USFSB cannot guarantee that the website has been updated to reflect the current rates.

C. An individual cannot assume he/she has effective insurance coverage even if he/she has downloaded an application, filled out an application online, submitted an application, provided proof of business, made a payment, completed a census, received an acknowledgement letter from USFSB verifying that their application has been sent to the appropriate carrier and/or performed any other function on the website or otherwise. An individual can not assume that they have insurance coverage until the carrier has sent the individual a verification of coverage with the appropriate effective date.

D. Whenever both a USFSB Summary of Benefits and the Carrier’s Summary of Benefits are presented, the Carrier’s Summary of Benefits should be considered more accurate. However, in either case, the Summary of Benefits is simply an overview of the coverage provided by the carrier and USFSB cannot guarantee that the information posted is current, complete, or accurate.

E. In 2014, there are important changes to your health insurance. These changes are required by Federal Health Care Reforms under the Affordable Care Act (ACA). All Plas for 2014 will include a core set of comprehensive benefits, more cost sharing choices and new premiums. The ACA creates four uniform categories of cost sharing called "metal" levels that will make it easier for you to compare different health insurance policies.

By continuing, you are indicating that you have read and understand these Notices and agree to be bound by all terms and conditions for using the United States Federation of Small Businesses website.


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