Terms and Conditions
Last Updated: August 20, 2026
Welcome to Fabian Insurance Services (“we,” “us,” or “our”). These Terms and Conditions govern your access to and use of FabianFMO.com (the “Website”). By accessing or using this Website, you agree to these Terms and Conditions.
If you do not agree with these Terms and Conditions, please discontinue use of the Website.
1. Insurance Services
Fabian Insurance Services is an independent insurance agency providing information and assistance related to Medicare and other insurance products.
Information provided on this Website is intended for general educational and informational purposes and should not be considered legal, medical, financial, or tax advice.
Insurance product availability, benefits, premiums, deductibles, copayments, provider networks, formularies, eligibility requirements, and other plan details may vary by insurance carrier, plan, location, and individual circumstances.
2. Medicare Disclaimer
Fabian Insurance Services is not affiliated with or endorsed by the U.S. government or the federal Medicare program.
We do not offer every plan available in your area. Currently, we represent. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Assistance Program (SHIP) to obtain information on all of your options.
Plan availability varies by service area and is subject to change.
3. No Guarantee of Coverage or Enrollment
Use of this Website, submission of a contact form, request for information, or communication with an insurance agent does not guarantee eligibility, enrollment, coverage, benefits, or acceptance into any insurance plan.
Enrollment in a Medicare plan is subject to applicable Medicare enrollment periods, eligibility requirements, plan availability, and approval by the applicable insurance carrier and/or Medicare.
Coverage is not effective until enrollment has been properly completed and confirmed by the applicable carrier.
4. Accuracy of Information
Fabian Insurance Services makes reasonable efforts to provide accurate and current information. However, Medicare rules, insurance plans, premiums, benefits, provider networks, formularies, and other information may change.
We do not warrant that all information provided on FabianFMO.com will always be complete, current, or error-free.
Official plan documents and information provided by Medicare and the applicable insurance carrier govern in the event of a discrepancy.
5. Website Forms and Information Requests
When you submit information through FabianFMO.com, you agree to provide information that is accurate and complete to the best of your knowledge.
Submitting a form does not obligate you to purchase an insurance product and does not automatically enroll you in a Medicare or insurance plan.
Information submitted through this Website will be handled in accordance with our Privacy Policy.
6. Telephone, Email, and Text Communications
If you voluntarily provide your telephone number, mobile number, or email address through our Website, you may be contacted regarding your request, insurance products, services, appointments, or other information as permitted by applicable law and based on the consent you provide.
Where required, separate consent language may apply to telephone calls and text messages.
Consent to receive marketing communications is not a condition of purchasing any goods or services.
Message and data rates may apply to text messages. Message frequency may vary. You may opt out of text communications at any time by replying STOP. For assistance, reply HELP or contact Fabian Insurance Services using the information provided below.
7. Third-Party Websites and Services
Our Website may contain links to third-party websites, including insurance carriers, healthcare providers, scheduling platforms, social media platforms, Medicare resources, and other services.
These websites are operated independently from Fabian Insurance Services. We are not responsible for the content, availability, security, privacy practices, or accuracy of third-party websites.
Accessing a third-party website is at your own discretion and subject to that website’s terms and policies.
8. Intellectual Property
Unless otherwise indicated, the content on FabianFMO.com, including text, graphics, designs, logos, images, videos, downloadable materials, and other content created by Fabian Insurance Services, is owned by or licensed to Fabian Insurance Services and is protected by applicable intellectual property laws.
You may view and use Website content for personal, non-commercial purposes. You may not reproduce, distribute, modify, publish, sell, or commercially exploit Website content without prior written permission.
Third-party trademarks, carrier logos, Medicare-related marks, and other third-party materials remain the property of their respective owners.
9. Acceptable Use
You agree not to use this Website:
For unlawful or fraudulent purposes
To interfere with the operation or security of the Website
To attempt unauthorized access to the Website, server, or associated systems
To transmit malicious software, viruses, or harmful code
To collect information about other Website users without authorization
To impersonate another individual or misrepresent your identity
Fabian Insurance Services reserves the right to restrict or terminate access to the Website when we reasonably believe these Terms have been violated.
10. Limitation of Liability
To the fullest extent permitted by applicable law, Fabian Insurance Services, its owners, employees, agents, contractors, and affiliates will not be liable for indirect, incidental, special, consequential, or similar damages resulting from your use of, or inability to use, this Website.
Nothing on this Website replaces the terms, conditions, limitations, and exclusions contained in an insurance policy, Evidence of Coverage, Summary of Benefits, or other official plan documents.
11. Privacy
Your use of FabianFMO.com is also subject to our Privacy Policy, which explains how we collect, use, disclose, and protect information obtained through the Website.
We encourage you to review the Privacy Policy before submitting personal information.
12. Changes to These Terms
Fabian Insurance Services may modify these Terms and Conditions periodically to reflect changes in our business practices, Website functionality, legal requirements, or services.
When changes are made, the updated Terms and Conditions will be posted on this page with a revised “Last Updated” date.
Continued use of the Website following an update constitutes acceptance of the revised Terms.
13. Governing Law
These Terms and Conditions are governed by the laws of the State of [STATE], without regard to conflict-of-law principles, except where federal law applies.
14. Contact Us
If you have questions about these Terms and Conditions, please contact:
Fabian Insurance Services
6157 S Florida Ave. Lakeland, FL 33813
info@fabianinsurance.com
(863) 274-5555
Important Medicare Notice
Fabian Insurance Services is not connected with or endorsed by the U.S. government or the federal Medicare program.
We do not offer every plan available in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Assistance Program (SHIP) to obtain information on all of your options.