Legal
Terms of Use
What this website is, what it is not, and the disclosures required of anyone marketing Medicare plans.
Last updated: August 2, 2026
Required Medicare disclosures
The CMS third-party marketing organisation disclaimer and our non-affiliation statement appear in the footer of every page on this site, including this one — scroll down and you will find them below. They are deliberately published once per page rather than repeated, so there is a single authoritative wording rather than two copies to reconcile.
Daisy Mountain Medicare is a licensed independent insurance agency. Brian Penner is a licensed insurance agent, National Producer Number 8206556, licensed in 18 states.
This site is information, not advice
Everything published here is general information about Medicare. It is not medical advice, not legal advice and not tax advice, and it is not a recommendation of any specific insurance plan for any specific person.
A recommendation requires knowing your circumstances — your providers, your medications, your ZIP code, your finances. That is what a conversation is for, and nothing on this site substitutes for one.
Accuracy and the passage of time
Medicare changes every plan year. Premiums, deductibles, coinsurance amounts, income thresholds, plan benefits, provider networks and drug formularies are all reset annually, and some change mid-year.
We label figures with the plan year they apply to and update them when new figures are published. Even so, always confirm current details before acting on anything here. If a page shows a plan year that has already passed, treat every number on it as historical.
The free tools
The calculators and checkers on this site produce estimates. They run entirely in your browser using the figures you enter and published federal amounts for the stated plan year.
They are not quotes, and specifically:
- They do not price any actual insurance plan or name any carrier or product.
- They do not check whether your doctors are in any network.
- They do not price your medications against any plan's formulary.
- They do not make Social Security's IRMAA determination — Social Security does that and will notify you directly.
Use them to ask better questions. Do not use them as the basis for an enrollment decision on their own.
No cost to you
There is never a fee to you for our services. Insurance carriers pay commissions to licensed agents at rates set by the Centers for Medicare & Medicaid Services. Your premium is identical whether you enroll through us, through a call centre, or directly with the carrier.
Links to other sites
We link to Medicare.gov, the Social Security Administration and similar resources for your convenience. We do not control those sites and are not responsible for their content. Following a link means their terms and privacy policies apply, not ours.
Intellectual property
The text, design and code of this site are the property of Daisy Mountain Medicare. You are welcome to read it, print it and share links to it. Republishing the content as your own is not permitted.
Limitation of liability
This site is provided as-is. To the fullest extent permitted by law, Daisy Mountain Medicare is not liable for any loss arising from reliance on information published here. Your enrollment decisions are made with the carrier and with Medicare, and the governing documents are the plan documents — not this website.
Governing law
These terms are governed by the laws of the State of Arizona, without regard to conflict-of-law principles.
Questions
Email [email protected] or call (623) 555-0100. For information on all of your Medicare options, contact Medicare.gov or call 1-800-MEDICARE.