Medicare & Insurance Disclaimer
Effective Date: October 6, 2026
Universal Health and Life LLC is an independent health insurance agency and broker.
Universal Health and Life LLC is not affiliated with, endorsed by, or a part of Medicare, Medicaid, the Centers for Medicare & Medicaid Services (CMS), or any federal or state government agency.
We work with multiple Medicare plan providers to help seniors and other eligible individuals understand Medicare and available insurance options.
General Information Only
Information provided on this website and campaign landing page is intended for general informational and educational purposes.
It is not intended to replace official Medicare information, plan documents, evidence of coverage, carrier materials, or guidance from Medicare.gov or other official Medicare resources.
Plan Information May Vary
Medicare Advantage and prescription drug plan benefits, premiums, copays, deductibles, formularies, provider networks, maximum out-of-pocket limits, supplemental benefits, eligibility requirements, and plan availability may vary by plan and service area and may change from year to year.
No statement on this website should be interpreted as a guarantee of:
- Eligibility
- Enrollment
- Coverage
- Benefits
- Premiums or costs
- Savings
- Provider participation
- Prescription drug coverage
- Supplemental benefits
Final plan benefits, premiums, costs, networks, formularies, and availability should be verified using official plan documents, carrier information, and Medicare resources.
2027 Medicare Information
Information regarding 2027 Medicare changes is based on materials available for the 2026 Annual Enrollment Period.
Where information is identified as projected, estimated, or subject to final CMS or plan confirmation, it should not be interpreted as a final guaranteed amount or benefit.
Medicare plan details may change even when a plan name remains the same.
Medicare Annual Enrollment Period
The Medicare Annual Enrollment Period for 2026 runs from October 15 through December 7, 2026.
Coverage changes made during this period generally take effect January 1, 2027.
Licensed Insurance Assistance
Submitting a request through this website allows you to request contact regarding a Medicare review or insurance-related assistance.
A request for information does not constitute enrollment in a Medicare or insurance plan and does not guarantee eligibility for any particular plan or benefit.
Any plan recommendation, application, or enrollment decision should be based on the individual’s circumstances and the applicable official plan information.
No Government Affiliation
This website is operated by Universal Health and Life LLC, an independent insurance agency.
It is not Medicare.gov and is not operated by the U.S. government.
For official Medicare information, consumers may consult Medicare’s official resources.
Contact Information
Universal Health and Life LLC
Phone: (702) 838-5141
Email: team@universalhl.com
Address: 871 N Nellis Blvd #2, Las Vegas, NV 89110