Website Terms of Use

These terms govern use of the Kayla Pugh Health Insurance & Medicare website. By using the site, you agree to use its information and contact features lawfully and understand the limitations described below.

Insurance information is educational

Website content provides general insurance education and comparison guidance. It is not an insurance policy, binder, guarantee of coverage, legal opinion, tax advice, medical advice, or government eligibility determination. Coverage becomes effective only when the responsible carrier or program approves enrollment and confirms the effective date.

Plan details and availability can change

Premiums, benefits, provider networks, formularies, eligibility, subsidies, underwriting, service areas, and enrollment periods vary by person, plan, carrier, program, and location. Verify every material term in the current official carrier or government documents before making a decision.

Submitting a form does not create coverage

Sending a contact form, email, or voicemail does not create an agent-client relationship, bind insurance, guarantee an appointment, or enroll anyone in a plan. Do not cancel existing coverage until replacement coverage has been approved and its effective date is confirmed.

Acceptable website use

Do not submit false information, interfere with the site, attempt unauthorized access, upload harmful material, or use the content in a way that violates applicable law or another person's rights.

Third-party websites and documents

Links to carriers, government agencies, professional profiles, and other third parties are provided for reference. Kayla Pugh Insurance does not control those websites and is not responsible for their availability, security, accuracy, or separate privacy practices.

Questions about these terms

Contact Kayla Pugh Insurance at (717) 353-3628 or kpugh@healthmarkets.com with questions about these website terms. These terms were last reviewed July 16, 2026.