Required disclosures
Medicare disclosures
Last updated
The plans we offer — and the ones we don’t
Under CMS rules we are a Third Party Marketing Organization: an independent agency that markets and sells Medicare plans on behalf of the carriers we’re appointed with. We are not a carrier, and we are not Medicare.
No broker represents every plan sold in Colorado. Here is the disclosure CMS requires us to give you:
CMS-required disclaimer
We do not offer every plan available in your area. Currently we represent 7 organizations which offer 45 products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program to get information on all of your options.
If a plan you’re interested in isn’t one we carry, say so and we’ll tell you — including when the better answer is a plan we can’t sell you.
We are not connected with the federal government
Nothing on this site comes from Medicare, the Centers for Medicare & Medicaid Services, or the Social Security Administration, and nothing here is endorsed by them.
Federal contracting statement
Grove Benefit Advisors, LLC is not connected with or endorsed by the United States government or the federal Medicare program. Not affiliated with Connect for Health Colorado beyond our certified broker status. Plan availability and benefits vary by county and are subject to change.
Scope of Appointment
Before we discuss a specific Medicare Advantage or Part D plan with you, CMS requires a signed Scope of Appointment — a short form that records which product types you agreed to talk about.
In plain terms
A Scope of Appointment is permission to have a conversation. It enrolls you in nothing, commits you to nothing, and you can decline any topic on it.
- Medicare Advantage and Part D: a signed form is required before the discussion, and we keep the record for ten years as CMS requires.
- Medicare Supplement (Medigap) only: no Scope of Appointment is needed. Treating the two the same is a common way brokers add friction that regulation never asked for.
You can read what the form covers, or call (970) 840-1250 and we’ll take it over the phone — a recorded verbal Scope of Appointment is exactly as valid, and nobody has to type anything to talk to us.
How we’re paid
Carriers pay brokers a commission that’s set by regulation and built into the premium whether you use us or enroll on your own. Your premium is identical either way. Nothing you do here costs you money.
For Medicare Advantage and Part D, CMS caps what a broker can be paid, and the cap applies to every carrier alike. That cap exists for exactly the reason you’d hope: so that the plan that pays us best and the plan that suits you best are not different plans.
Licensing and appointments
Grove Benefit Advisors, LLC is licensed by the Colorado Division of Insurance. Our producers:
Christina Price, CO producer 753684 · Alexis Abbott, CO producer 601850 · Evan Vaughn, CO producer 806711
- Certified broker & assister, Connect for Health Colorado
- Appointed with all major Colorado carriers
- Medicare plans are marketed in Colorado. We serve people in other states by request.
Marketplace and individual plans
Connect for Health Colorado plans carry their own disclosure. The short version: we can help you apply, but we are not the exchange and we do not decide what you qualify for.
Marketplace disclosure
Grove Benefit Advisors, LLC is a certified broker with Connect for Health Colorado and is not a government agency or the marketplace itself. Plan availability, networks, and pricing vary by county. Any savings figure shown here is illustrative; final eligibility for a premium tax credit is determined by Connect for Health Colorado on your application.
Where to get information about every option
We are one source and we are not a neutral one — we can only sell you what we carry. These are neutral:
- Medicare.gov, or 1-800-MEDICARE (TTY 1-877-486-2048), 24 hours a day
- Your State Health Insurance Assistance Program (SHIP), which gives free, unbiased Medicare counseling
- Connect for Health Colorado, for individual and family marketplace plans
If you need this in another format
Free language assistance and auxiliary aids are available — see our notice of availability and our accessibility statement. Call (970) 840-1250, TTY 711.