Fred Muñoz Insurance Services
By accessing or using this website, you agree to be bound by these Terms and Disclaimer. If you do not agree, please discontinue use of this website immediately.
This website is operated by Freddermann Muñoz (License #0E44741), an independent insurance agent authorized through Stella Health Insurance Agency, doing business as Fred Muñoz Insurance Services. This website is intended to provide general information about Medicare, Covered California, and supplemental health insurance options available in California.
This website is not affiliated with, endorsed by, or operated by the U.S. government, the Centers for Medicare & Medicaid Services (CMS), the Social Security Administration, or any other government agency. Medicare has not reviewed nor endorsed the information on this website.
Calling the phone number on this website will connect you to a licensed insurance sales representative, not a government agency.
Medicare has multiple coverage options. The information provided on this website is intended to be educational and is not a substitute for personalized advice from a licensed insurance professional. Plan availability, benefits, premiums, and coverage details vary by location, eligibility, and plan year.
Covered California plan availability, premium tax credits, and cost-sharing reductions are subject to eligibility requirements and may change. The information on this site is for general guidance only. Contact a licensed agent or visit CoveredCA.gov for official enrollment information.
Nothing on this website constitutes a guarantee of coverage, benefits, premiums, or enrollment. Insurance coverage is subject to the terms, conditions, limitations, and exclusions of the applicable policy. All insurance products are subject to state availability and individual eligibility requirements.
The content on this website is provided for general informational purposes only. It does not constitute legal, financial, medical, or tax advice. You should consult with appropriate professionals before making any decisions based on information found on this site.
To the fullest extent permitted by law, Fred Muñoz Insurance Services and Freddermann Muñoz shall not be liable for any direct, indirect, incidental, special, or consequential damages arising from your use of this website or reliance on its content. This includes, but is not limited to, errors or omissions in content, interruptions in service, or any decisions made based on information provided.
This website may contain links to third-party websites, including Medicare.gov, CoveredCA.gov, and other resources. These links are provided for convenience only. We have no control over the content of those sites and are not responsible for their accuracy, completeness, or privacy practices.
All content on this website, including text, graphics, logos, and images, is the property of Fred Muñoz Insurance Services unless otherwise noted. Unauthorized reproduction or distribution of any content is prohibited without prior written consent.
We reserve the right to modify these Terms and Disclaimer at any time. Changes will be posted on this page with an updated effective date. Continued use of the website after changes are posted constitutes your acceptance of the revised terms.
These Terms are governed by the laws of the State of California. Any disputes arising from use of this website shall be subject to the exclusive jurisdiction of the courts located in Los Angeles County, California.
Questions about these Terms may be directed to: