TERMS AND CONDITIONS
Last Updated: April 1, 2026
Welcome to Mid Atlantic Business Alliance (the "Company"). These Terms and Conditions ("Terms") govern your use of our website located at www.midatlanticba.com (the "Site") and the insurance brokerage services provided by the Company.
By accessing this Site or engaging our services, you agree to be bound by these Terms. If you do not agree, please refrain from using our Site or services.
1. Scope of Services
Mid Atlantic Business Alliance is a licensed insurance brokerage. We provide consultation and facilitate enrollment in private health insurance plans, including nationwide PPO and Open Access Networks.
We act as an intermediary between you (the "Client") and third-party insurance carriers.
We do not underwrite insurance policies, process claims, or make final determinations on coverage eligibility.
2. No Professional Advice
The information provided on this Site is for educational and informational purposes only. While we strive to provide accurate comparisons of PPO, HMO, and EPO plans, the content does not constitute legal, tax, or medical advice. You should consult with appropriate professionals before making financial or healthcare decisions.
3. Eligibility and Enrollment
Enrollment Period: As a provider of private health insurance, we offer enrollment options outside of the standard Health Insurance Marketplace open enrollment period.
Accuracy of Information: You agree to provide accurate, current, and complete information during the quote and enrollment process. Providing false information may lead to the denial of coverage or cancellation of your policy by the insurance carrier.
4. Third-Party Carriers
Your insurance coverage is subject to the specific terms, conditions, exclusions, and limitations of the policy issued by the third-party carrier. Mid Atlantic Business Alliance is not responsible for any changes in premiums, coverage reductions, or claim denials made by the carrier.
5. Limitation of Liability
To the maximum extent permitted by law, Mid Atlantic Business Alliance shall not be liable for any indirect, incidental, or consequential damages arising out of your use of the Site or the performance of any insurance policy purchased through our brokerage. Our total liability for any claim arising under these Terms shall not exceed the amount of commission earned by the Company on your specific policy.
6. Intellectual Property
All content on the Site, including text, logos, and graphics, is the property of Mid Atlantic Business Alliance or its content suppliers and is protected by copyright and trademark laws. You may not reproduce or distribute any content without express written permission.
7. Privacy
Your use of the Site is also governed by our Privacy Policy, which details how we collect and protect your personal and health-related information in compliance with applicable regulations.
8. Governing Law
These Terms shall be governed by and construed in accordance with the laws of the State of New Jersey, without regard to its conflict of law provisions. Any legal action related to these Terms shall be filed in the courts located in New Jersey.
9. Changes to Terms
We reserve the right to modify these Terms at any time. Changes will be effective immediately upon posting to the Site. Your continued use of our services following any changes constitutes your acceptance of the new Terms.
10. Contact Information
For questions or concerns regarding these Terms, please contact us via the form on our website or at our registered business address.
Mid Atlantic Business Alliance
4 Pine Drive, Millstone Twp, NJ 08510
(609) 577-0006
info@midatlanticba.com