Terms of Use

How2Medicare is operated by J Johnston Insurance, a licensed California insurance agency (License #0F44279). By accessing or using this website, you agree to these Terms of Use. If you do not agree, please do not use the site.

All content on How2Medicare — including articles, guides, glossary entries, calculators, and comparison tools — is provided for general educational purposes. It is not legal, tax, medical, or individualized insurance advice. Plan details, premiums, and eligibility rules change and vary by county and carrier. Always confirm specifics with a licensed agent or with Medicare before making a decision.

How2Medicare is not affiliated with, endorsed by, or part of Medicare.gov, the Centers for Medicare & Medicaid Services, or any other U.S. government agency.

Our calculators produce estimates based on the information you enter and publicly available figures. Results are illustrations only and are not quotes, offers of coverage, or guarantees of cost.

If you create an account, you are responsible for keeping your login credentials confidential and for all activity that occurs under your account. We may suspend or remove accounts that are used in a way that harms the platform or other users.

Some pages link to third-party sites, including licensed broker partners for dental, vision, and other coverage. We do not control those sites and are not responsible for their content, products, or privacy practices.

The content, design, and branding on this site belong to J Johnston Insurance. You may read, print, and share pages for personal, non-commercial use. Republishing or reselling our content requires written permission.

The site is provided "as is" without warranties of any kind. To the fullest extent permitted by law, J Johnston Insurance is not liable for any loss arising from your use of, or reliance on, this site.

We may update these Terms of Use from time to time. Continued use of the site after changes are posted means you accept the updated terms.