Website Terms and Conditions

Effective Date: July 29, 2026
Last Updated: August 31, 2026

Welcome to NationalChoiceHealthPlans.com.

National Choice Health Plans is a brand owned and operated by KMG Ventures LLC.

These Website Terms and Conditions (“Terms”) govern your access to and use of NationalChoiceHealthPlans.com, its forms, content, tools, communications, and related services provided by KMG Ventures LLC through the National Choice Health Plans brand.

Throughout these Terms, “National Choice,” “we,” “us,” and “our” refer to KMG Ventures LLC, doing business through National Choice Health Plans, unless the context clearly indicates otherwise.

By accessing this website, submitting information, scheduling an appointment, or otherwise using our services, you agree to these Terms and our Privacy Policy. If you do not agree, please do not use the website.

1. Purpose of the Website

National Choice Health Plans provides educational information and assistance to individuals and families who want to review available health benefit options.

Our services may include:

Learning about your household, health needs, budget, doctors, and prescriptions
Explaining available health benefit packages
Reviewing provider-network access
Discussing member costs, benefits, exclusions, and limitations
Assisting with eligibility reviews, applications, or enrollment
Connecting you with third-party organizations involved in offering or administering available benefits

Information presented on this website is for general informational and marketing purposes and should not be considered a complete description of any particular benefit package.

2. Health Benefit Packages

The options discussed through this website may be health benefit packages rather than traditional individual health insurance policies.

KMG Ventures LLC and National Choice Health Plans are not themselves an insurance carrier, healthcare provider, third-party administrator, plan sponsor, claims administrator, or medical provider.

Unless expressly stated in writing, National Choice does not:

Issue or underwrite health insurance policies
Guarantee payment of medical bills or claims
Determine whether a claim or benefit request will be approved
Administer plan benefits
Control provider participation
Set final eligibility or underwriting decisions
Provide medical care, diagnosis, or treatment

The organization offering or administering a selected benefit package is responsible for its terms, eligibility decisions, administration, and benefit determinations.

3. Plan Documents Control

Website descriptions, presentations, illustrations, estimates, summaries, emails, and verbal explanations are intended to help you understand available options. They are not the official governing documents for any benefit package.

Official documents may include:

Benefit summaries
Membership or employment agreements
Plan documents
Certificates or evidence of benefits
Exclusion and limitation disclosures
Provider-network terms
Underwriting or eligibility materials
Enrollment agreements
Administrative documents

If information on this website or provided by an advisor conflicts with an official plan or benefit document, the official document will control.

You are responsible for reviewing all applicable documents before enrolling.

4. Eligibility and Underwriting

Some available health benefit packages may have eligibility requirements, medical underwriting, participation requirements, or other enrollment rules.

Not everyone will qualify.

You agree to provide complete, current, and accurate information during the review, application, underwriting, and enrollment process.

Providing inaccurate, misleading, incomplete, or omitted information may affect eligibility, enrollment, benefits, or continued participation.

National Choice cannot guarantee:

That you will qualify
That an application will be approved
That a specific effective date will be available
That a particular doctor, hospital, medication, or service will be included
That the monthly cost will remain unchanged
That every medical service will be eligible for benefits

Eligibility and final approval are determined by the applicable benefit organization, plan sponsor, administrator, underwriter, or other responsible third party.

5. No Guarantee of Savings

Any discussion of possible savings is an estimate based on the information available at that time.

Actual costs depend on factors that may include:

Age
Location
Household composition
Benefit selection
Health history
Eligibility or underwriting
Provider-network selection
Optional supplemental benefits
Administrative or membership requirements

Past savings experienced by another person do not guarantee that you will receive the same or similar result.

You should compare both the monthly cost and the actual benefits, exclusions, network access, and member responsibilities before enrolling.

6. Provider Networks

Provider participation may change at any time.

A provider appearing in a network directory does not guarantee that:

The provider is currently participating
The provider will accept a particular benefit package
Every service performed by that provider will be eligible
All professionals working at a facility participate in the same network
The provider will remain in the network

You should independently confirm provider participation directly with both the provider and the applicable network or benefit administrator before receiving services.

KMG Ventures LLC and National Choice Health Plans are not responsible for inaccurate, outdated, or incomplete third-party provider-directory information.

7. Prescription Information

Prescription benefits, formularies, discount arrangements, exclusions, and member costs may vary by option.

A medication appearing in a search result or preliminary review does not guarantee that it will be included or available at a particular price.

You should review the applicable prescription materials and verify information with the benefit administrator or pharmacy program before enrolling or filling a prescription.

National Choice does not prescribe medications or provide medical advice concerning medication use.

8. No Medical, Legal, Tax, or Financial Advice

Nothing on this website constitutes medical, legal, tax, accounting, financial, or investment advice.

You should consult an appropriately licensed professional regarding questions within those fields.

Never delay or disregard medical care because of information obtained through this website.

In an emergency, contact emergency services or an appropriate healthcare provider.

9. Information You Submit

You agree that information submitted through the website, by telephone, by text, by email, or during an appointment will be accurate and provided lawfully.

You may not:

Impersonate another person
Submit information without authorization
Provide false or misleading information
Attempt to gain unauthorized access to any system
Upload malicious code or harmful material
Use the website for fraud or unlawful activity
Interfere with the website’s operation or security
Scrape, copy, or harvest website information without permission

If you provide information about a spouse, dependent, employee, or other person, you represent that you are authorized to provide it.

10. Appointment and Enrollment Assistance

Scheduling a benefits review does not create coverage, benefits, membership, or enrollment.

No benefit package becomes effective until all required steps have been completed, which may include:

Application submission
Eligibility review
Medical underwriting
Required acknowledgments
Payment
Acceptance or approval
Membership or employment activation
Receipt of an effective-date confirmation

Do not cancel existing coverage or benefits until you have received and reviewed written confirmation of the effective date and terms of the new option.

KMG Ventures LLC and National Choice Health Plans are not responsible for a lapse in benefits caused by canceling an existing arrangement before a replacement becomes effective.

11. Payments

Payments for benefit packages, memberships, administrative services, or related products may be processed by third parties.

You are responsible for reviewing:

The amount and frequency of payments
Billing dates
Recurring-payment authorizations
Cancellation procedures
Refund provisions
Reinstatement rules
Consequences of failed or late payments

National Choice does not guarantee that payments are refundable.

Refund and cancellation rights are governed by the applicable organization’s written terms.

12. Telephone, Text, and Email Communications

By providing your contact information and requesting assistance, you authorize us to contact you regarding your inquiry, appointment, benefits review, application, enrollment, or related service matters.

Where you provide separate marketing consent, communications may include calls, text messages, or emails concerning health benefit options or related services.

Consent to receive marketing communications is not a condition of purchasing or enrolling in any benefit package.

Message frequency may vary. Message and data rates may apply.

You may:

Reply STOP to opt out of text messages
Reply HELP for text-message assistance
Use the unsubscribe link in marketing emails
Ask us to place you on our internal do-not-contact list

Opting out of marketing communications will not prevent necessary transactional or service-related communications when permitted by law.

You agree to notify us if a telephone number or email address you provided is reassigned, disconnected, or no longer belongs to you.

13. Electronic Records and Signatures

You agree that communications, disclosures, authorizations, acknowledgments, and records may be provided electronically.

Your electronic submission, checkbox selection, typed name, click, or other electronic action may be treated as your electronic signature where legally permitted.

You are responsible for maintaining access to:

A working email address
A compatible device
Internet access
Software capable of viewing electronic documents
Storage or printing capability if you wish to retain copies

You may request available documents in another format by contacting us.

Some third-party organizations may have separate electronic-consent requirements.

14. Privacy

Our collection, use, retention, and disclosure of personal information are governed by our Privacy Policy.

By using the website, you acknowledge that you have reviewed that policy.

Do not submit highly sensitive documents through ordinary email or an unsecured website field unless specifically instructed to use an approved secure method.

15. Third-Party Organizations and Websites

The website may contain links to or integrations with third parties, including:

Benefit administrators
Plan sponsors
Enrollment platforms
Provider networks
Prescription-search tools
Scheduling services
Payment processors
Social-media platforms
Customer-management systems

KMG Ventures LLC and National Choice Health Plans do not control these third parties and are not responsible for their content, availability, security, accuracy, terms, or privacy practices.

A link or reference does not necessarily constitute an endorsement.

Your use of a third-party service is governed by that organization’s own terms and privacy policies.

16. Testimonials and Illustrations

Testimonials, examples, scenarios, savings illustrations, and consumer experiences represent individual circumstances.

They do not guarantee that another person will:

Qualify
Be approved
Receive the same benefits
Save the same amount
Have the same provider access
Experience the same result

Images used on the website may be illustrative or stock photography unless otherwise identified.

17. Website Content and Intellectual Property

Unless otherwise stated, all website content is owned by KMG Ventures LLC or licensed to KMG Ventures LLC for use through National Choice Health Plans, including:

Text
Logos
Graphics
Icons
Photographs
Videos
Forms
Layouts
Training materials
Downloads
Branding
Website design

You may view or print website content for your own personal, noncommercial use.

You may not reproduce, distribute, sell, modify, publish, repurpose, display, or create derivative works from our content without prior written permission from KMG Ventures LLC.

18. Website Availability

We attempt to keep the website accurate, secure, and available, but we do not guarantee uninterrupted or error-free operation.

We may:

Update or remove content
Suspend website access
Change features
Correct errors
Perform maintenance
Discontinue part or all of the website

KMG Ventures LLC and National Choice Health Plans are not responsible for delays, interruptions, data loss, malware, or technical failures beyond our reasonable control.

19. Disclaimer of Warranties

To the fullest extent permitted by law, the website and its content are provided on an “as is” and “as available” basis.

KMG Ventures LLC, including its National Choice Health Plans brand, disclaims all express or implied warranties relating to the website, including warranties of:

Accuracy
Completeness
Availability
Merchantability
Fitness for a particular purpose
Noninfringement
Security
Eligibility
Approval
Savings
Benefit payment
Provider participation

Some jurisdictions may not allow certain warranty exclusions, so portions of this section may not apply to you.

20. Limitation of Liability

To the fullest extent permitted by law, KMG Ventures LLC, National Choice Health Plans, and their respective owners, members, officers, employees, agents, contractors, affiliates, representatives, and service providers will not be liable for indirect, incidental, special, consequential, exemplary, or punitive damages arising from or relating to:

Use of or inability to use the website
Reliance on website information
Eligibility or underwriting decisions
Benefit or claim determinations
Provider-directory information
Third-party conduct
Unauthorized access
Loss of data
Website interruptions
Failure to enroll
Cancellation of existing benefits
Medical services or treatment decisions

Nothing in these Terms excludes liability that cannot legally be excluded.

21. Indemnification

To the extent permitted by law, you agree to defend, indemnify, and hold harmless KMG Ventures LLC, National Choice Health Plans, and their owners, members, officers, employees, agents, contractors, affiliates, representatives, and service providers from claims, losses, liabilities, damages, costs, or expenses arising from or relating to:

Your misuse of the website
Your violation of these Terms
Information you submit without authorization
Fraudulent or unlawful activity
Your infringement of another person’s rights

22. Governing Law and Venue

These Terms will be governed by the laws of the State of Missouri, without regard to conflict-of-law principles.

Unless applicable law requires otherwise, legal proceedings relating to these Terms or the website must be brought in the applicable state or federal courts located in St. Louis, Missouri, and you consent to the jurisdiction of those courts.

23. Changes to These Terms

KMG Ventures LLC may revise these Terms periodically.

The updated version will be posted on this page with a revised “Last Updated” date.

Changes become effective when posted unless otherwise stated.

Continued use of the website following an update constitutes acceptance of the revised Terms.

24. Severability

If any provision of these Terms is found invalid or unenforceable, that provision will be limited or removed only to the extent necessary.

The remaining provisions will remain effective.

25. No Waiver

Our failure to enforce a provision does not waive our right to enforce it later.

26. Entire Agreement

These Terms, together with the Privacy Policy and any other written terms presented during an application or enrollment, constitute the agreement between you and KMG Ventures LLC regarding your use of NationalChoiceHealthPlans.com and services provided through the National Choice Health Plans brand.

Separate terms issued by a plan sponsor, administrator, enrollment platform, insurance carrier, benefit organization, or other third party independently govern your relationship with that organization.

27. Contact Information

Questions about these Terms may be directed to:

KMG Ventures LLC
Owner and Operator of National Choice Health Plans

National Choice Health Plans
Mailing Address: 1200 Lake St Louis PKWY, Lake St Louis, MO 63367
Email: [email protected]
Telephone: 314.246.9425