Terms & Conditions

These Terms & Conditions (“Terms”) govern your access to and use of the ThriftMeds website, subdomains, and related services operated by ThriftMeds. By accessing or using ThriftMeds, you agree to these Terms and our Privacy Policy.

If you do not agree, do not use the website. We may update these Terms from time to time; the “Last updated” date at the top of this page indicates when they were most recently revised.

ThriftMeds is a consumer technology platform that helps Medicare beneficiaries and those assisting them:

• Compare Standalone Part D (PDP) and Medicare Advantage with Part D (MA-PD) plans
• Review educational information about Medicare coverage options
• Browse OTC product eligibility tied to selected Medicare Advantage plans
• Access retailer links for eligible OTC purchases where available
• Submit enrollment-related information when you choose to initiate enrollment
• Use support and formulary tools offered on the site

• ThriftMeds is not affiliated with CMS, Medicare.gov, or the federal government unless explicitly stated in a separate written agreement.
• Plan comparisons are estimates based on the information you provide and data from CMS landscape files, carriers, and related sources.
• You should review official plan documents, Evidence of Coverage, and carrier materials before enrolling.
• Enrollment is subject to Medicare rules, plan sponsor requirements, and applicable enrollment periods.
• ThriftMeds does not control coverage decisions made by insurers, pharmacies, or government programs.

Plan information on ThriftMeds may originate from CMS, insurance carriers, data providers, and other sources. While we strive for accuracy, we do not guarantee that displayed premiums, drug costs, star ratings, or network details are complete or current.

You are responsible for verifying final plan details, including formulary coverage for your medications, preferred pharmacy participation, and provider network status, before making enrollment decisions.

Submitting information through ThriftMeds does not by itself complete enrollment in a Medicare plan. Enrollment depends on your eligibility, the applicable enrollment period, plan availability in your service area, and acceptance by the plan sponsor or applicable government process.

• You may need to provide additional verification or documentation
• Plan sponsors make final enrollment determinations
• Effective dates and coverage start dates are governed by Medicare rules and plan policies
• ThriftMeds may transmit information you submit to carriers or enrollment partners at your direction

ThriftMeds may display over-the-counter (OTC) products and retailer offers associated with Medicare Advantage OTC benefits. Important limitations include:

• OTC eligibility varies by plan, benefit design, and benefit period
• Not every retailer accepts every Medicare Advantage OTC benefit
• Retailer pricing, inventory, and checkout policies are controlled by the retailer
• Clicking a retailer link may take you to a third-party website with its own terms
• ThriftMeds does not necessarily process your OTC benefit card or complete checkout on your behalf
• You should confirm eligibility with your plan administrator or retailer when needed

ThriftMeds may maintain commercial relationships with retailers, carriers, technology vendors, and other partners. Where affiliate or referral links are used, we may receive compensation when you click through or complete a qualifying action on a partner site.

Affiliate relationships, where present, do not change the price you pay at a retailer unless explicitly disclosed. This section is intended to accommodate future commercial relationships without overstating current arrangements. Specific disclosures may appear near relevant links or offers where required.

ThriftMeds may integrate with or link to third-party services such as hosting providers, analytics tools, database services, pharmacy locators, and retailer checkout experiences. Those services are governed by their own terms and privacy policies. Your use of third-party services is at your own risk.

If you create or use an account on ThriftMeds, you agree to:

• Provide accurate information and keep it reasonably up to date
• Maintain the confidentiality of your credentials
• Notify us promptly if you suspect unauthorized access
• Accept responsibility for activity under your account

We may suspend or terminate accounts that violate these Terms, pose security risks, or are used for fraudulent or unlawful purposes.

You agree not to:

• Use ThriftMeds for unlawful, fraudulent, or abusive purposes
• Attempt to gain unauthorized access to systems, accounts, or data
• Scrape, crawl, or harvest data in violation of these Terms or applicable law
• Interfere with website operation, security, or other users' access
• Misrepresent your identity, eligibility, or affiliation with any person or entity
• Misuse Medicare, insurance, or enrollment information belonging to others
• Reverse engineer or copy proprietary materials except as permitted by law

The ThriftMeds name, logos, website design, software, text, graphics, and other content are owned by ThriftMeds or its licensors and are protected by intellectual property laws.

You may use the website for personal, non-commercial purposes consistent with these Terms. You may not copy, modify, distribute, sell, or create derivative works from our content without prior written permission, except as allowed by law.

ThriftMeds provides informational content and tools. Unless expressly stated in a separate agreement, we do not provide individualized medical, legal, tax, or financial advice.

To the fullest extent permitted by applicable law, ThriftMeds and its officers, directors, employees, agents, and suppliers will not be liable for any indirect, incidental, special, consequential, or punitive damages, or for lost profits, data, goodwill, or other intangible losses, arising from your use of ThriftMeds.

Our total liability for claims relating to the website or these Terms will not exceed the greater of (a) amounts you paid to ThriftMeds for the applicable service in the twelve months before the claim, or (b) one hundred U.S. dollars (USD $100), except where prohibited by law.

You agree to indemnify and hold harmless ThriftMeds and its affiliates, officers, directors, employees, and agents from claims, damages, losses, and expenses (including reasonable attorneys' fees) arising from your use of ThriftMeds, your violation of these Terms, or your violation of any rights of another person or entity.

These Terms are governed by the laws of the jurisdiction identified above, without regard to conflict-of-law principles, except where mandatory consumer protection laws in your state of residence apply.

Before initiating formal proceedings, you agree to contact us through ThriftMeds Support and attempt to resolve the dispute informally.

If a dispute cannot be resolved informally, it will be handled in accordance with applicable law in the governing jurisdiction identified above. ThriftMeds does not currently require mandatory arbitration for all users; counsel should review whether arbitration or class-action waiver language is appropriate for your business.

If any provision of these Terms is found invalid or unenforceable, the remaining provisions will remain in full force and effect, and the invalid provision will be modified to the minimum extent necessary to make it enforceable.

These Terms, together with the Privacy Policy and any additional terms presented for specific features you use, constitute the entire agreement between you and ThriftMeds regarding the website, except for separate written agreements explicitly referencing these Terms.

Questions about these Terms may be directed through ThriftMeds Support.