Medicare Legal & Policy Center

AltFTool Medicare operates as an educational discovery, comparison, and advisor-matching platform. We collect only the minimal information necessary to deliver accurate Medicare Advantage, Supplement (Medigap), and Part D prescription estimates:

• Inquiry & Geographic Data: Your ZIP code, county, and state to identify specific Medicare plan networks and regional county service areas.
• Medicare Eligibility Status: Self-reported age range, birthday month, Part A/B enrollment status, or target retirement date to calculate enrollment windows and penalty exemptions.
• Coverage Preferences: General preferences regarding dental/vision benefits, preferred hospital networks, out-of-pocket maximum caps, and prescription drug formularies.
• Telemetry & Usage: Anonymized browser diagnostics, timestamp headers, and feature interaction metrics to optimize comparison tool performance.

Your parameters are processed exclusively to compute mathematical estimates, outline benefit tiers, and present eligible Medicare options:

• To match your coverage priorities with appropriate plan structures (Parts A, B, C, D and Medigap Plans G/N).
• To connect you with an independent, state-licensed Medicare specialist in your region only when you explicitly request 1-on-1 consultation.
• To deliver requested enrollment checklists, 2026 CMS deadline updates, or personalized plan comparisons.
• To maintain regulatory audit logs and verify consumer consent integrity.

We adhere to a strict Zero-Sale Policy for Health & Personal Data. Unlike lead generation aggregators, we do NOT sell, rent, monetize, or barter your personal health information to third-party data brokers or marketing syndicates.

When you request licensed advisor guidance, your inquiry is routed directly to a verified, state-licensed Medicare specialist—never auctioned off to multi-dialer call centers.

When you submit your email for an enrollment guide, plan rate sheet, or deadline alert:

• We send exactly what you requested and do not inundate your inbox.
• We do not share your contact address with third-party marketing brokers.
• Every communication includes an instant, 1-click unsubscribe mechanism.
• All SMS and phone communications strictly follow Telephone Consumer Protection Act (TCPA) consent guidelines.

Under state and federal privacy frameworks, you retain complete authority over your information:

• Right to Know: Request full disclosure of any data points associated with your inquiry.
• Right to Delete: Request permanent deletion of all stored session records.
• Right to Opt-Out: Opt out of non-essential analytics and communications at any time.

Inquiry records are retained only as long as necessary to complete your plan comparison or satisfy statutory CMS compliance requirements. For privacy inquiries, contact our Data Protection Officer at privacy@altftools.com.