Ready at 65 is independently produced. We are not affiliated with Medicare, the federal government, or any insurance company. Nothing on this site is insurance, financial, legal, or medical advice.
1. Not Affiliated With Medicare or Any Government Agency
Ready at 65 and all publications, content, and materials produced under the Ready at 65 name are independently produced and are not affiliated with, endorsed by, or sponsored by the Centers for Medicare & Medicaid Services (CMS), the Social Security Administration (SSA), the U.S. Department of Health and Human Services (HHS), Medicare.gov, or any other federal, state, or local government agency.
The term "Medicare" and related program names are used on this site and in Ready at 65 publications solely to describe and explain the federal Medicare program as a matter of general educational reference. Their use does not imply any official endorsement, affiliation, or connection with any government entity.
For official Medicare information, visit Medicare.gov or call 1-800-MEDICARE (1-800-633-4227). For Social Security information, visit SSA.gov or call 1-800-772-1213.
2. Not Financial, Legal, Medical, or Insurance Advice
All content on this website and in all Ready at 65 publications — including books, guides, checklists, blog posts, email communications, and any other materials — is provided for general informational and educational purposes only.
Nothing on this site or in any Ready at 65 publication constitutes, and nothing should be interpreted as:
- Financial advice or a recommendation to purchase, sell, or hold any financial product
- Legal advice or the creation of an attorney-client relationship
- Medical advice or a recommendation regarding any medical treatment, condition, or provider
- Insurance advice or a recommendation to purchase any insurance product or plan
The author and publisher of Ready at 65 materials are not licensed insurance agents, financial advisors, attorneys, or medical providers. Reading this site or purchasing a Ready at 65 publication does not create any advisory, professional, or fiduciary relationship between you and Ready at 65 or its author.
3. Your Situation Is Specific to You
Every person's Medicare, insurance, financial, medical, and legal situation is unique. The information provided on this site and in Ready at 65 publications is general in nature and may not apply to your specific circumstances. What is true for one person's Medicare enrollment, coverage decision, or financial situation may not be true for yours.
Before making any decision about Medicare enrollment, plan selection, Social Security benefits, insurance purchases, or any other financial or health matter, you should:
- Review your own specific situation carefully
- Consult the Social Security Administration directly at SSA.gov or by phone
- Contact a State Health Insurance Assistance Program (SHIP) counselor — free, unbiased Medicare counseling available in every state at ShipHelp.org
- Consult a qualified licensed professional (insurance agent, financial advisor, attorney, or physician) as appropriate
4. Accuracy of Information
Ready at 65 makes every reasonable effort to ensure that information provided on this site and in its publications is accurate and up to date at the time of writing. Content reflects Medicare rules, premiums, enrollment windows, penalties, and related information based on publicly available government sources current at the time of publication.
However, Medicare rules, costs, enrollment periods, income thresholds, plan availability, and government programs change frequently — sometimes annually. Ready at 65 cannot guarantee that all information remains current or accurate after publication. We strongly recommend verifying any specific figure, deadline, or rule directly through Medicare.gov or the Social Security Administration before acting on it.
Ready at 65 is not responsible for any errors or omissions, or for any actions taken in reliance on information provided here.
5. No Endorsement of Third-Party Products, Services, or Websites
This site may reference or link to third-party websites, government resources, or tools (such as Medicare.gov plan comparison tools, SHIP counseling services, or Amazon). These references are provided for informational convenience only and do not constitute an endorsement, recommendation, or approval of any third-party product, service, website, organization, or company.
Ready at 65 has no financial relationship with any insurance company, Medicare plan, or health-related vendor. We do not receive commissions, referral fees, or compensation of any kind from any insurance company or Medicare plan provider.
6. No Warranty; Limitation of Liability
All content on this site and in Ready at 65 publications is provided "as is," without warranties of any kind, either express or implied, including but not limited to warranties of accuracy, completeness, fitness for a particular purpose, or non-infringement.
To the fullest extent permitted by applicable law, Ready at 65, its author, publisher, and affiliates shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages arising out of or related to your use of, or reliance on, any content on this site or in any Ready at 65 publication — including but not limited to any decisions made regarding Medicare enrollment, plan selection, or coverage.
7. Copyright
All content on this website and in Ready at 65 publications — including text, graphics, checklists, and other materials — is the property of Ready at 65 and is protected by applicable copyright law. No part of any Ready at 65 publication may be reproduced, distributed, or transmitted without prior written permission, except as permitted by applicable law for personal, non-commercial use.
8. Contact
For questions about this disclaimer or any Ready at 65 content, contact us at hello@readyat65.com.
Last updated: July 2026. Ready at 65 reserves the right to update this disclaimer at any time.