Terms & Conditions
Last updated: August 19, 2026
These terms govern your use of magnifymed.com, apply.magnifymed.com, magnifymedicare.com, and baxtersinsurancegroup.com, operated by Baxter’s Insurance Group, LLC, doing business as Magnify Insurance Solutions.
By using these websites, you agree to these terms. If you do not agree, please do not use them.
Who we are
Baxter’s Insurance Group, LLC, doing business as Magnify Insurance Solutions, is a licensed independent insurance brokerage. We are not connected with or endorsed by the United States government or the federal Medicare program. We are not a Medicare plan and we do not make coverage or eligibility determinations.
We are compensated by the insurance companies whose plans we offer. This does not change the premium you pay.
What these websites do
Our websites provide general information about Medicare coverage options and allow you to request assistance from a licensed agent. Information on these websites is general in nature and is not a complete description of any plan’s benefits. It is not medical, legal, or tax advice.
Plan availability, benefits, premiums, and provider networks change. We make no guarantee that information on these websites is current or complete at the time you read it. Always confirm details with the plan or with Medicare before making a decision.
Text Messaging Terms
These terms govern the SMS service provided by Baxter’s Insurance Group, LLC, doing business as Magnify Insurance Solutions.
How you opt in. You consent to receive text messages by providing your mobile phone number through a form on our websites, where an SMS consent disclosure is shown at the point of entry, or by providing it directly to a licensed agent.
What you will receive. Appointment confirmations and reminders, follow-up regarding an application you started but did not complete, and direct replies to questions you have asked us. We do not send promotional or marketing text messages.
Message frequency. Message frequency varies based on your activity. You will typically receive fewer than 10 messages per month.
Cost. Message and data rates may apply. Baxter’s Insurance Group, LLC is not responsible for charges from your mobile carrier.
How to opt out. Reply STOP to any message at any time. You will receive a single confirmation message and no further messages.
How to get help. Reply HELP to any message, email support@magnifymed.com, or call 1-916-510-0319.
Carrier liability. Mobile carriers are not liable for delayed or undelivered messages.
Privacy. Your mobile information is never shared with third parties or affiliates for marketing or promotional purposes. See our Privacy Policy at legal.magnifymed.com/privacy.
Scope of Appointment
The Centers for Medicare & Medicaid Services requires agents to document the scope of a marketing appointment before any sales meeting, so that both parties understand what will be discussed. This documentation must be completed by the person with Medicare or by their authorized representative. An authorized representative is someone with legal power of attorney for the beneficiary, typically a family member.
When you indicate the product types you agree to discuss on a Scope of Appointment form, you are agreeing that a licensed agent may contact you to discuss those product types only.
The person who will discuss these products is employed by or contracted with a Medicare plan. They do not work directly for the federal government. This individual may be compensated based on your enrollment in a plan.
Providing this consent does not obligate you to enroll in a plan, does not affect your current enrollment, and does not enroll you in a Medicare plan.
Scope of Appointment documentation is subject to CMS record retention requirements.
Call recording
Federal regulations require us to record marketing, sales, and enrollment calls with Medicare beneficiaries in their entirety. You will be told at the beginning of any such call that it is being recorded. If you do not consent to being recorded, we cannot continue with a sales or enrollment discussion, though we can help you in other ways.
Intellectual property
The content on these websites is owned by Baxter’s Insurance Group, LLC or its licensors. You may view and use it for your own personal purposes. You may not republish, resell, sublicense, reproduce, or redistribute it without written permission.
Disclaimer and limitation of liability
These websites and the information on them are provided as is, without warranties of any kind to the fullest extent permitted by law.
We are not liable for any loss or damage arising from your use of these websites or from reliance on information contained on them. Nothing in these terms limits liability for fraud, for personal injury caused by negligence, or for anything else that cannot be limited under applicable law.
Governing law
These terms are governed by the laws of the State of California.
Changes
We may revise these terms. The current version is always posted here with the date it was last updated.
Contact
DBA Magnify Insurance Solutions
Citrus Heights, CA 95610
Email: support@magnifymed.com
Phone: 1-916-510-0319
We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE (TTY users should call 1-877-486-2048) 24 hours a day, 7 days a week, or your local State Health Insurance Program to get information on all of your options.
Agency represents Medicare HMO, PPO, and PFFS organizations and stand-alone PDP prescription drug plans that have a Medicare contract. Enrollment depends on the plan’s contract renewal.
The plans we represent do not discriminate on the basis of race, color, national origin, age, disability, or sex.
This information is not a complete description of benefits. Call 1-877-258-9034 (TTY: 711) for more information.
Medicare beneficiaries may also enroll in a plan through the CMS Medicare Online Enrollment Center located at http://www.medicare.gov.
For a complete list of available plans please contact 1-800-MEDICARE (TTY users should call 1-877-486-2048), 24 hours a day, 7 days a week, or consult www.medicare.gov.
Every year, Medicare evaluates plans based on a 5-star rating system.
Out-of-network and non-contracted providers are under no obligation to treat Plan members, except in emergency situations. Please call the Plan’s customer service number or see your Evidence of Coverage for more information, including the cost-sharing that applies to out-of-network services.
Total annual cost is calculated by adding up the total annual cost of any monthly premiums, applicable plan deductibles, and estimates for all co-pay and co-insurance amounts that will be due for the medications and health benefits used throughout the year. Costs for medications and health benefits vary across pharmacies and health systems, so the costs provided are only estimates. Actual costs could vary.
For plans with Part D coverage: You may be able to get Extra Help to pay for your prescription drug premiums and costs. To see if you qualify for Extra Help, call 1-800-MEDICARE (1-800-633-4227), TTY users should call 1-877-486-2048, 24 hours a day, 7 days a week, or consult www.medicare.gov; the Social Security Office at 1-800-772-1213 between 8 a.m. and 7 p.m. Monday through Friday, TTY users should call 1-800-325-0778, or consult www.socialsecurity.gov; or your Medicaid Office.
You must have both Part A and Part B to enroll in a Medicare Advantage plan. Members may enroll in the plan only during specific times of the year. Contact the plan for more information.
The purpose of this communication is the solicitation of insurance. Contact will be made by an insurance agent or producer or by an insurance company.
To send a complaint to a Medicare Health Plan, call the Plan or the number on your member ID card. To send a complaint to Medicare, call 1-800-MEDICARE (TTY users should call 1-877-486-2048), 24 hours a day, 7 days a week. If your complaint involves a broker or agent, be sure to include the name of the person when filing your grievance.
© 2026 Magnify Med, a subsidiary of Baxter’s Insurance Group, LLC (B.I.G.), DBA Magnify Insurance Solutions, a non-government Medicare insurance broker and agency.