Terms and Conditions

The following policies govern all SMS communications issued by Isaac Plans:

• 1 – SMS Consent Communication: phone numbers collected for SMS consent are not shared with third parties for marketing purposes.
• 2 – Types of SMS: payment reminders, enrollment notices and service notifications. Examples: “Dear Client: we remind you that your policy is about to lapse…” or “Hi, this is a friendly reminder of your upcoming appointment…”. You may reply STOP at any time to opt out.
• 3 – Message Frequency: frequency may vary; for example, up to 3 SMS per week related to your policy or enrollment period.
• 4 – Possible Charges: standard message and data rates may apply, and may vary for domestic or international SMS.
• 5 – Opt-In Method: by checking the SMS-consent box in our online forms.
• 6 – Opt-Out Method: you may stop receiving SMS at any time by replying “STOP” or contacting us directly to be removed.
• 7 – Help: reply “HELP” or visit https://www.isaacplans.com/contact if you need assistance.
• 8 – Standard Disclosure: message/data rates may apply. For help text HELP to (540-426-1804). Message frequency varies.

Welcome to Isaac Plans. These Terms and Conditions (“Terms”) govern the use of our insurance services and website. By using our services, you agree to these terms.

Isaac Plans provides the following services:

• ACA (Obamacare) insurance consulting and advisory
• Medicare insurance services (Parts A, B, C and D)
• Life, dental and vision insurance
• Plan comparison and analysis
• Enrollment and renewal assistance
• Ongoing support and customer service
• Cost-optimisation and subsidy analysis

Our services are available in the states where Isaac Orraiz holds active licenses—currently 9+ U.S. states.

As a client, you agree to:

• Provide accurate and complete information during the quote process
• Notify changes that may affect your coverage
• Review all policy documents carefully before signing
• Pay premiums directly to the insurer as agreed
• Comply with all policy terms
• Maintain confidentiality of your account information

Isaac Plans acts as an intermediary between you and insurance companies. Our responsibilities include:

• Providing accurate information about available plans
• Assisting with application and enrollment
• Offering support during the policy term
• Keeping your information confidential

However, we are not responsible for:

• Not responsible for coverage decisions by insurers
• No guarantee of application approval
• Not responsible for regulatory changes or plan availability
• Liability limited to intermediation and advisory services

We are committed to protecting your privacy according to our Privacy Policy:

• Numbers collected for SMS consent are not shared with third parties for marketing
• Your data is used solely to provide insurance services
• We maintain strict confidentiality standards
• We comply with all applicable data-protection regulations

Our consulting services are generally free to consumers. We are compensated by insurers, which does not affect your premium.

Either party may terminate this relationship with written notice. Policies in force remain subject to their own terms.

Isaac Plans operates in full compliance with:

• State insurance regulations
• Affordable Care Act (ACA)
• Medicare and Medicaid regulations
• Federal and state consumer-protection laws
• Professional licensing requirements

We reserve the right to update these terms at any time. Changes take effect once posted on this page.

For questions about these Terms:

• Agent: Isaac Orraiz
• Email: info@isaacplans.com
• Phone: 540-426-1804