Insurance & Medicare Disclaimer

Last updated August 5, 2026

General Information

The information on this website is provided for general educational purposes only. It is not a complete description of any insurance policy, Medicare plan, benefit, limitation, exclusion, premium, provider network, formulary, or eligibility requirement. Information may change and should not be used as a substitute for official plan documents or individualized professional guidance.

Medicare

Joseph V. Lombardo and this website are not connected with or endorsed by the United States government or the federal Medicare program.

Plan availability, premiums, benefits, provider networks, pharmacy networks, formularies, service areas, enrollment periods, and eligibility requirements vary by plan and location and may change each year. Enrollment is subject to Medicare rules, contract renewal, and the applicable plan’s terms.

A consultation does not obligate you to enroll. For official Medicare information or assistance with all available options, visit Medicare.gov or call 1-800-MEDICARE (1-800-633-4227), 24 hours a day, seven days a week. TTY users may call 1-877-486-2048.

If a specific Medicare Advantage or Part D plan is discussed, the carrier’s approved materials, Evidence of Coverage, Summary of Benefits, and other official documents control. Any carrier- or plan-specific disclosures required for a particular communication will be provided when applicable.

Life Insurance and Other Insurance Products

Life insurance and other insurance products are subject to state availability, underwriting, application approval, policy terms, exclusions, limitations, and premium requirements. Coverage is not effective until an application has been approved by the issuing insurance company and all applicable requirements have been satisfied.

Examples, estimates, and general descriptions on this website are illustrative only and are not guarantees of coverage, benefits, rates, policy performance, or claims payment. The issued policy and carrier documents govern.

Independent Guidance and Compensation

Joseph V. Lombardo is an independent licensed insurance professional and may represent multiple insurance carriers. Not every insurance company or product available in a visitor’s area may be represented. Compensation may be received from an insurance carrier if a visitor enrolls in or purchases a policy, at no additional direct cost to the visitor unless otherwise disclosed.

No Application or Coverage Created

Submitting a website form, sending an email, scheduling a consultation, or speaking with an insurance professional does not create insurance coverage, constitute an application, bind a policy, guarantee eligibility, or change existing coverage. Do not cancel or replace existing coverage until new coverage is confirmed in writing and effective.

Licensing and Service Area

Joseph V. Lombardo is located in New York and licensed to serve clients in New York, New Jersey, Connecticut, Pennsylvania, and Florida. Insurance services are offered only where properly licensed and where products are approved and available.

No Legal, Tax, or Medical Advice

Nothing on this website constitutes legal, tax, accounting, or medical advice. Consult an appropriately qualified professional regarding those matters.

Contact

Questions may be directed to jvlombardo@jvlombfinancial.com or 718-207-9276.

This general website disclaimer does not replace any disclosure, scope-of-appointment documentation, privacy notice, or other material required for a particular insurance transaction.