Effective date: July 9, 2026
Terms and Conditions
CD Integral Advisors is the trade name of CD Integral Insurance Services.
1. Acceptance of Terms
Welcome to the website of CD Integral Insurance Services ("Company," "we," "our," or "us").
By accessing or using this website, you agree to comply with these Terms and Conditions. If you do not agree, please discontinue use of this website.
2. Purpose of This Website
This website is intended to provide general educational information regarding:
- Individual Health Insurance
- ACA Marketplace Plans
- Medicare
- Medicare Advantage
- Medicare Prescription Drug Plans (Part D)
- Medicare Supplement Insurance
- Life Insurance
- Dental and Vision Insurance
- Supplemental Insurance Products
- Tax Preparation Services
- Accounting Services
- Credit Education and Related Services
The information on this website is provided solely for informational purposes and should not be interpreted as legal, tax, medical, financial, or investment advice.
3. No Insurance Coverage Is Guaranteed
Requesting information, obtaining a quote, completing a questionnaire, or speaking with one of our licensed agents does not guarantee:
- Eligibility for insurance coverage.
- Enrollment in any insurance plan.
- Approval by an insurance carrier.
- Eligibility for Premium Tax Credits.
- Eligibility for Medicare benefits.
- Eligibility for Medicaid.
- Coverage for specific physicians, hospitals, medications, or medical services.
Final eligibility and coverage decisions are made solely by the applicable insurance carrier or government agency.
4. Independent Insurance Agency
CD Integral Insurance Services is an independent insurance agency.
We represent selected insurance companies and products. We do not offer every insurance plan available in every state or service area.
Plan availability varies based on:
- State
- County
- ZIP Code
- Age
- Eligibility
- Enrollment period
- Carrier participation
- Underwriting requirements
5. Medicare Disclaimer
We are not affiliated with, endorsed by, or acting on behalf of the United States Government, the Centers for Medicare & Medicaid Services (CMS), or Medicare.
We do not offer every plan available in your area. Any information we provide is limited to the plans we represent.
For information about all Medicare plan options, please visit Medicare.gov or call 1-800-MEDICARE.
6. ACA Marketplace Disclaimer
Eligibility for Marketplace coverage, Premium Tax Credits, Cost-Sharing Reductions, and Special Enrollment Periods is determined by the Health Insurance Marketplace and applicable federal regulations.
Premium estimates provided before enrollment are estimates only.
Applicants are responsible for providing complete and accurate household, income, tax filing, immigration, and eligibility information.
7. Tax Services Disclaimer
Any tax-related information presented on this website is for general educational purposes only.
Nothing on this website constitutes legal, tax, or accounting advice.
Clients should consult their CPA, tax professional, or attorney regarding their specific circumstances.
8. Website Accuracy
Although we strive to maintain accurate and current information, insurance plans, provider networks, premiums, deductibles, formularies, and regulations change frequently.
We do not guarantee that all information on this website is current at all times.
9. Intellectual Property
All content on this website, including text, graphics, logos, icons, documents, videos, images, and downloadable materials, is the property of CD Integral Insurance Services or its licensors and is protected by applicable intellectual property laws.
No content may be copied, reproduced, distributed, modified, or republished without prior written permission.
10. Third-Party Websites
Our website may include links to third-party websites for your convenience.
We are not responsible for the content, privacy practices, security, or accuracy of third-party websites.
11. Limitation of Liability
CD Integral Insurance Services shall not be liable for any direct, indirect, incidental, consequential, or special damages arising from the use of this website or reliance on its contents.
Users assume full responsibility for decisions made based on information obtained through this website.
12. Governing Law
These Terms and Conditions shall be governed by the laws of the State of Texas and applicable federal laws of the United States.
13. Changes to These Terms
We reserve the right to update these Terms and Conditions at any time without prior notice.
The most current version will always be available on this website.
14. Contact Information
CD Integral Insurance Services
- Website: cdiatx.com
- Email: clients@cdiatx.com
- Phone: 832-288-1221