Terms of use

Last updated: 2026. Plain-language terms for using this website.

Information, not advice

Everything on this site is general information to help you orient yourself. It is not medical advice, legal advice, or a determination of eligibility for any program.

The eligibility check

The four-question check gives a rough starting point based only on what you enter. It is not an application and does not guarantee eligibility, enrollment, or any specific cost. Only the program or carrier can decide eligibility.

No government affiliation

Cielo Assurance is an independent licensed insurance agency and is not affiliated with, endorsed by, or connected to CMS, Medicare, Medi-Cal, Covered California, or any government agency.

No cost, no condition

Our help is free to you, and enrolling in a plan is never a condition of receiving it. Agents may be compensated by a carrier when a plan is selected; that does not change your premium.

Forms on this site

Website forms are for getting in touch. Do not send sensitive documents, Social Security numbers, or medical records through them. For anything sensitive, call 714-395-0026.

Accuracy

Program rules, plan availability, and costs change. We keep this site current as best we can and confirm details with you directly before anything is filed.