Alliant Federation Terms and Conditions of Enrollment & Use
Effective Date: 05/15/2024 — Alliant Federation, LLC
These Terms govern your enrollment in and use of services provided by Alliant Federation, LLC, including access to telehealth services, insurance products, and communication platforms. By creating an account, submitting your information, or enrolling in any plan, you agree to these Terms.
1. Role of Alliant Federation
Alliant Federation, LLC acts as a plan administrator, facilitator, and technology platform. Provides access to telehealth services and third-party insurance products. It is NOT an insurance company.
Alliant does NOT:
- Guarantee coverage or claim payment
- Make claim determinations
- Control underwriting decisions
2. Insurance Coverage Disclosure
IMPORTANT:
- The insurance offered is NOT ACA (PPACA) compliant
- It may not satisfy U.S. health insurance requirements
- You are solely responsible for determining whether this plan meets your requirements
3. Scope of Services
(a) Telehealth Services
- Virtual consultations with licensed providers
- Care navigation and coordination
- Non-emergency medical guidance
(b) Insurance Coverage
- International or limited medical insurance products
- Subject to strict policy terms and exclusions
(c) Communication & Support
- SMS, WhatsApp, voice calls, and email
- AI-assisted and human-assisted interactions
4. Telehealth & Medical Disclaimer
If you experience a medical emergency:
Call 911 or go to the nearest emergency facility immediately.
- Services are not intended for medical emergencies or life-threatening conditions
- Telehealth has limitations compared to in-person care
- Medical outcomes are not guaranteed
5. Insurance Limitations & User Responsibilities
(a) Pre-Existing Conditions
- Generally excluded from coverage
- Only limited "acute onset" situations may be covered under strict conditions
(b) Pre-Certification Requirements
Certain services require advance approval by the insurer. Failure to comply may result in reduced benefits (e.g., 50%) or no coverage at all.
(c) Approval-Based Benefits
Some services (including evacuation and transportation) require prior authorization and coordination with the insurer. No approval = no coverage.
6. No Guarantee of Coverage
Alliant does not guarantee that any medical service will be covered, that claims will be approved, or that reimbursement will occur. Coverage decisions are made solely by the insurance carrier.
7. AI & Automated Systems Disclosure
- You may interact with automated or AI systems
- AI responses are informational only — not medical advice
- Calls and interactions may be recorded for quality and compliance
8. Communication Consent (TCPA / WhatsApp / SMS)
By submitting your information, you expressly consent to receive communications from Alliant via phone calls (including automated and AI voice systems), SMS, WhatsApp, and email.
- Message and data rates may apply
- Consent is not a condition of purchase
- To opt out of SMS/WhatsApp: Reply STOP
9. Payments & Billing
- You agree to pay all applicable premiums and service fees
- Maintain valid payment information
- Failure to pay may result in termination of coverage or suspension of services
10. User Representations
- All information provided is true, accurate, and complete
- You are authorized to enroll yourself and any dependents
- Providing false information may result in denial of claims or termination of coverage
11. Privacy & Data Use
Your information is handled in accordance with our Privacy Policy. We implement safeguards consistent with HIPAA (where applicable) and industry security standards.
12. Limitation of Liability
To the fullest extent permitted by law, Alliant Federation is not liable for medical outcomes, insurance claim denials or delays, failure to obtain coverage, or indirect or consequential damages.
13. Termination & Cancellation
We may suspend or terminate access for violation of these Terms, non-payment, or misuse. You may cancel at any time, subject to policy terms and billing cycles.
14. Governing Law
These Terms are governed by the laws of the State of Indiana, consistent with the underlying insurance policy.
15. Changes to Terms
We may update these Terms at any time. Updates will be communicated via website, email, or platform notifications. Continued use constitutes acceptance.
16. Acknowledgment & Consent
By checking the box and submitting your enrollment, you confirm that:
- You have read and agree to these Terms
- You understand the limitations of insurance coverage
- You consent to communications and AI interactions
- You acknowledge that coverage decisions are made by the insurer, not Alliant
17. Employer-Sponsored / H-2A Worker Disclosure
- Coverage may be provided through an employer or third party
- Benefits may vary based on employment status
- Telehealth services supplement, but do not replace, employer obligations
Questions about these Terms?
Message us on WhatsApp or find the right contact for your case.