Disclosures

Last updated: August 4, 2026

Site operator

Use Doug at usedoug.com is owned and operated by Mark Stewart Kenney. Questions about this site, its content, or your information may be directed to hello@usedoug.com.

Not an insurer, agency, or government entity

Use Doug is not an insurance company, insurance agency, or government agency. We do not underwrite, issue, bind, sell, or administer insurance policies, and we do not provide quotes, rates, eligibility determinations, or coverage decisions. We provide general consumer information and, at your request, refer you to licensed insurance agents or agencies.

No government affiliation

This site is not affiliated with, endorsed by, or sponsored by the United States government, the federal Medicare program, the Centers for Medicare & Medicaid Services (CMS), the Social Security Administration, the U.S. Department of Health and Human Services, HealthCare.gov, or any state or federal health insurance exchange. Nothing on this site has been reviewed or approved by CMS or any government agency.

For official, free assistance, contact 1-800-MEDICARE (TTY 1-877-486-2048), visit Medicare.gov or HealthCare.gov, or contact your State Health Insurance Assistance Program (SHIP) at shiphelp.org.

Plan availability

We do not offer every plan available in your area. Any information we or a referred agent provide is limited to the plans and carriers that agent is licensed and appointed to sell. Currently there may be plans in your area that are not represented. To review all of your options, contact Medicare.gov, HealthCare.gov, 1-800-MEDICARE, or your SHIP.

How we are compensated

There is no cost to you to use this site or to be referred to a licensed agent. We may receive compensation from insurance agents, agencies, or marketing partners when we refer a consumer who requests contact. This compensation does not change the premium you pay for any plan, and premiums for a given plan are the same regardless of how you enroll. Compensation may influence which agents or agencies we work with, and therefore which plans you are shown. Nothing on this site should be read as an endorsement of a particular carrier or plan.

Licensing

Insurance is regulated at the state level. Any agent we refer you to represents that they are licensed in your state and appointed with the carriers whose products they present. You may verify an agent’s license through your state department of insurance or the National Insurance Producer Registry. You should always ask for and verify an agent’s license number before enrolling.

Consent to be contacted

Submitting a form on this site with the consent box checked constitutes your express written consent for us and one or more licensed insurance agents or agencies to contact you at the phone number and email address you provided, including by automatic telephone dialing system, prerecorded or artificial voice, and SMS text message, about health insurance products and services. Consent is not a condition of purchase. Message and data rates may apply. Message frequency varies. You may revoke consent at any time by replying STOP to a text, asking a caller to place you on their internal do-not-call list, or emailing hello@usedoug.com with the number and email address to remove.

Not advice

Content on this site is general information only and is not insurance, legal, tax, financial, or medical advice. Benefits, premiums, cost sharing, provider networks, and drug formularies vary by plan and by plan year and are subject to change. Always review the official plan documents, including the Summary of Benefits, Evidence of Coverage, and formulary, and confirm details with a licensed agent or the carrier before enrolling.

Third-party content

Links to third-party websites are provided for convenience. We do not control and are not responsible for third-party content, products, services, or privacy practices.

Accessibility and privacy

See our Accessibility Statement, Privacy Policy, and Do Not Sell or Share My Personal Information page.

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