Terms of use
The terms that apply when you use this website.
About this website
This website is operated by Bruce Kern to share general information about Medicare coverage and to make it easy to contact Bruce Kern.
Information only
Content on this website is general and educational. It is not legal, tax or investment advice, and it is not an offer or a guarantee of coverage. Coverage, costs, benefits and limitations depend on the insurer, the policy issued, your state and underwriting.
No guarantees
Nothing on this website promises approval, a specific price or a specific result. Any guarantee in a policy depends on the claims paying ability of the issuing insurer.
Links to other websites
This website links to other services, such as a booking calendar and social media. Those services have their own terms and policies.
Contact
Questions about these terms? You can email bruce.kern@gmail.com, call +1 (201) 396-7991 or use the contact form.
Last updated 2026-11-08.