Last modified: November 3, 2026
Please read these Terms carefully. They require arbitration and waiver of a jury trial and class action suits.
CareScout Sites and General Information Services
How CareScout, LLC Is Compensated
Changes to the Services or Terms
Introduction and Scope
CareScout’s organizational structure
As a leading aging care platform, CareScout is the marketing name we use to refer to CareScout Holdings, Inc., along with its affiliates and subsidiaries. Our organization is structured into distinct legal entities:
CareScout Holdings, Inc. is the parent company of:
CareScout, LLC, which manages our care-finding and navigation services. That includes, for example, the CareScout Quality Network and Care Plans.
CareScout Insurance Company, which is the sole entity responsible for issuing and providing our insurance products.
Each of these legal entities is distinct and solely responsible for its own financial and contractual obligations. For details on how this structure affects the applicability of these Terms of Use, please refer to the “Scope” section.
Definitions
“Advisor” means an independent placement agent, geriatric care manager, or similar professional who facilitates CareScout’s delivery of the Services.
“CareScout Field Team” means agencies and individuals who are independently contracted with CareScout, LLC to provide assessment, evaluation, or related services.
“CareScout ID” means the membership number that is assigned to you by CareScout, LLC.
“CareScout Quality Network” or “CQN” means the network of Providers that have contracted with CareScout, LLC and satisfied the participation requirements applicable to their Provider type and CQN designation. Those requirements may differ by Provider type and may include verification, screening, credentialing, monitoring, or other review.
“Certified CQN Provider” means a CQN Provider that has contracted with CareScout, LLC, completed and passed the full credentialing process applicable to its Provider type, and received CareScout’s Certified designation within the CQN. For some Provider types, CareScout may require Certified status as a condition of participation in the CareScout Quality Network.
“CQN Provider” means a Provider that has contracted with CareScout, LLC and that has, at a minimum, passed a baseline screening and verification process for participation in the CareScout Quality Network. A CQN Provider is not necessarily a Certified CQN Provider.
“Home Care” means personal care, companionship, homemaker, respite, or other supportive care services provided to an individual in the individual’s home or other private residential setting by a home care agency or other qualified Provider.
“Insurance Agencies” means individuals or entities licensed by department(s) of insurance as agents or producers to sell, solicit, and negotiate insurance contracts.
“Member” means an individual who has been assigned a CareScout ID.
“Partner” means any long-term care insurer, employer, affinity group or other entity that provides a policyholder, employee, affinity group member, or other customer with access to CareScout, LLC’s services. A Partner that introduces an individual to CareScout and may receive compensation from CareScout in relation to that introduction is referred to in these Terms as a “Lead Partner.”
“Platform” means proprietary applications, tools, software, and related services made available by CareScout or its affiliates to communities, advisors, providers, and other users.
“Provider” means a Home Care provider, Senior Living Community, or other aging care provider.
“Senior Living Community” means an independent living community, residential care home, assisted living community, memory care community, skilled nursing facility, or similar senior living or care setting.
“User Content” means images, photographs, video, data, text, listings, pricing, availability, and other content that you submit, upload, transmit, or otherwise make available through the Sites or Services.
Scope
These Terms of Use (“Terms”) govern your access to and use of websites, platforms, information, products, and services offered by CareScout Holdings, Inc. and its affiliates (collectively, “CareScout,” “we,” “us,” or “our”), including the Sites and Services described below. The CareScout entity providing a particular Site, Service, or product is solely responsible for its obligations relating to that Site, Service, or product.
The Terms contain important information and disclaimers that govern your use of the Services and Sites, so please read them carefully. By using or continuing to use the Services and Sites, you agree to the Terms. Unless stated otherwise, any new services, products, and materials added to the Services and Sites will be covered by these Terms.
These Terms do not affect rights or obligations under any insurance policy or between you and your insurance company.
The purchase or sale of insurance between CareScout Insurance Company and its customers is governed by the applicable insurance policy issued by CareScout Insurance Company. No other representation, whether made in person, online, electronically (including, but not limited to, representations on the Sites), in writing, or by graphic or verbal communication may alter the terms of those policies.
For details on how we collect and use your personal information, please review our Privacy Policy.
CareScout Sites and General Information Services
Purpose
CareScout’s Sites are made available to provide information about long-term care insurance and aging-related care. The Sites may provide information about all aspects of eldercare, insurance, and related services, including but not limited to cost trends, innovative care approaches, and general education. The Sites can also help identify Providers, CQN Providers, and Certified CQN Providers, and enable Providers, Insurance Agencies, Partners, and potential Partners to learn about opportunities with CareScout.
CareScout does not provide legal, tax, financial, medical, or other similar professional services or advice, and the information provided on the Sites is not intended to serve as such. In addition, advice on such matters must fit your particular circumstances, so we strongly encourage you to consult with your own professional advisors to examine the legal, tax, financial, medical, or other similar aspects of any information presented on the Sites and how they may affect your particular situation. The information provided on the Sites is also not intended to serve as the sole basis upon which any material decision is made. CareScout assumes no responsibility for any consequence relating directly or indirectly to any action or inaction you take based on the information or other materials on the Sites.
Use of the Sites is subject to the additional disclaimers and caveats that may appear throughout the Sites, as well as CareScout’s Privacy Policy.
Links to other websites
The Sites may contain links to third-party websites. CareScout does not endorse or control these third-party websites and is not responsible for their content. CareScout makes no representations or warranties about the accuracy, completeness, or suitability of any information, products, or services on any third-party websites that may be linked to or from our Sites. Neither CareScout nor its affiliates are liable for any damages or losses that may result from your use of those websites.
Third-party websites are subject to their own terms, conditions, privacy practices, and policies. Any concerns or issues regarding third-party websites should be directed to the relevant third-party website.
External links to the Sites
All links to the Sites must: (i) contain the name "CareScout"; (ii) display the linked page full-screen in a fully operable and navigable browser window and not within a "frame" on the linked website; and (iii) have an appearance, position, or other aspects that would neither create the false appearance that an entity or its activities or products are associated with or sponsored by CareScout nor damage or dilute the goodwill associated with the name and service marks/trademarks of CareScout or its affiliates. CareScout reserves the right to block any link at any time in its sole discretion.
Availability
The Services, any insurance products, and any other services or products described on the Sites:
are available only to consumers in the United States of America unless otherwise specifically noted;
may not be available in all U.S. states; and
are subject to all applicable laws and regulations.
How CareScout, LLC Is Compensated
The way CareScout, LLC is compensated depends on the Service you use:
Care Plans. If you purchase a Care Plan, you pay the price disclosed when you place your order. CareScout uses a third-party payment processor to process your payment.
Senior Living. For senior living referral or placement Services, CareScout may receive compensation from a Senior Living Community or Advisor if a person selects or moves into a community through CareScout’s Services.
Home Care. CareScout may collect fees from a CQN Provider when a Member receives eligible Home Care services using preferred pricing.
Other Business Services. CareScout may charge Providers, Advisors, or other business customers for Platform, listing, marketing, administrative, or other Services.
A Provider’s payment of compensation to CareScout, LLC does not qualify that Provider for CQN participation or CareScout Certified status. Qualification is determined separately under the requirements applicable to the relevant Provider type and designation. Any other fee payable by you will be disclosed before you purchase or use the applicable Service.
Compensation to Lead Partners
You may be introduced or referred to CareScout by a Lead Partner. CareScout may compensate the Lead Partner in connection with the introduction, including if CareScout’s Services result in your finding a Provider. You are not required to use CareScout or any Provider identified through CareScout because of that introduction or referral.
CareScout, LLC Services
Senior living information, referral, and platform services
CareScout provides senior living information, referral, advisory support, listing, and Platform services. We may work with Senior Living Communities and Advisors. Families may review information about Senior Living Communities and request assistance identifying care options.
Based on information and preferences provided by a family, we may provide information about Senior Living Communities or Advisors and may share the family’s information with Senior Living Communities, Advisors, Partners, CareScout affiliates, or other Providers that may be able to assist. Unless otherwise stated, CareScout receives compensation from Senior Living Communities or Advisors for its senior living placement services.
Some Senior Living Communities also participate in the CareScout Quality Network, and some have received the Certified CQN Provider designation. For more information on the reviews associated with these designations, please see the section entitled, “CareScout Quality Network.”
Senior Living Communities and Advisors
Senior Living Communities and Advisors are independent third parties. Senior Living Communities are solely responsible for evaluating, accepting or declining, and caring for residents; maintaining applicable licensure; appropriately staffing their operations; and ensuring that their personnel have the qualifications, facilities, resources, and equipment necessary to provide care. Each Senior Living Community is responsible for conditions and care at its community and for the acts and omissions of its personnel.
CareScout does not guarantee the accuracy of information posted by or for a Senior Living Community or Advisor. You are responsible for independently evaluating any Senior Living Community, Advisor, aging care provider or service, and assume the risks associated with your selection and use.
No endorsement; No agency or brokerage relationship
CareScout may rank or tailor how options are presented based on identified metrics, a user’s preferences, a Senior Living Community’s participation in the CQN, or its designation as a Certified CQN Provider. A listing, CQN participation, or Certified CQN Provider designation does not mean that CareScout controls a Senior Living Community or guarantees that the community will be appropriate for a particular person. Senior Living Communities and Advisors are independent third parties and are not CareScout’s agents, employees, or representatives.
Accounts, fees, and Platform license
If your relationship with CareScout requires payment or processing of fees, you must provide accurate, complete, and current account information, safeguard your credentials, and promptly notify us of unauthorized access. You authorize CareScout and its payment processor to charge the payment method you provide for the Services you select. Subject to these Terms, CareScout grants you a limited, revocable, non-exclusive, non-transferable, and non-sublicensable license to access and use the Platform solely for its intended purposes.
User Content
You retain ownership of your User Content. By making User Content available through the Services, you grant CareScout and its affiliates a non-exclusive, worldwide, royalty-free license to host, store, reproduce, display, distribute, and modify the User Content as necessary to operate, provide, market, and improve the Services and as described in the applicable Privacy Policy. You represent that you have all rights necessary to provide the User Content and that the User Content and its permitted use comply with law and do not violate another person’s rights.
Platform restrictions, availability, and suspension
You may not permit unauthorized access; reverse engineer or attempt to derive source code or trade secrets; copy, sell, sublicense, or distribute the Platform; use the Platform or non-public information to develop a competing service; remove proprietary notices; interfere with operation or security; scrape or harvest data; upload malicious code; impersonate another person; send spam; or use the Services in violation of law or another person’s rights.
CareScout will use commercially reasonable efforts to make the Platform available, but it may be unavailable for maintenance, updates, emergencies, third-party failures, connectivity issues, or events outside CareScout’s control. CareScout may suspend or terminate access to protect the Services or others, comply with law, prevent potential liability, or address a violation of these Terms or another applicable agreement.
Care Plans
CareScout, LLC conducts interviews with our customers to gather information about their care needs. Based on these interviews, we provide suggestions and action items for you to consider, informed by our extensive experience in the field of aging care and services. The resulting report (“Care Plan”) documents and addresses your aging-related needs. The Care Plan is not medical advice, nor is it a substitute for a medical evaluation.
The Care Plan is not an assessment of eligibility for any long-term care insurance policy or government program.
Ordering and payment
Care Plans can be ordered through the Sites at the price disclosed when you place your order. By submitting an order and providing your payment information, you authorize CareScout, LLC’s third-party payment processor to charge the applicable amount via the payment method you provided. If your payment is not approved, we may cancel your order. For more information, please see the section entitled, “How CareScout, LLC is compensated.”
CareScout does not process payment for Care Plans. Payment processing services for Care Plans are provided by Adyen, a third-party payment processor, so the name "Adyen" may appear on your bank statement in relation to your Care Plan payment. Adyen’s terms and conditions may be accessed on its website via https://www.adyen.com/legal. However, for support or questions related to your Care Plan purchase, please do not contact Adyen.
We reserve the right to change payment processors at our discretion.
After you have placed the order, we will reach out to you to schedule the evaluation. We will try to reach you at least three times in thirty days. If we cannot connect with you within that timeframe, we may cancel your order, in which case we will refund your payment.
You may call us at (800) 870-8479 to cancel your Care Plan up to twenty-four hours before your evaluation, and you will receive a full refund.
In the event of technical difficulties with virtual evaluations, CareScout, LLC will work with you to reschedule. CareScout, LLC reserves the right to cancel and refund any evaluations that cannot take place due to repeated technical difficulties.
Care Plan content and limitations
The Care Plan will assist you (1) in determining whether there are any actions that might be beneficial for you and (2) in conversations with your family and/or healthcare providers.
The Care Plan evaluation may be provided in-person or virtually, and will consist of a series of categorized questions. The individual conducting the evaluation will record your responses to these questions. At any time, you may end the evaluation. You may also request to skip any questions that you do not wish to answer. If you choose not to respond to or to skip any questions, you acknowledge that the Care Plan may be incomplete as a result.
While your Care Plan evaluation may be conducted by a nurse, neither the Care Plan evaluation, nor the Care Plan itself, is a medical service. The Care Plan and the evaluation do not constitute medical advice and are not a substitute for a medical evaluation. You should always consult with the appropriate medical professional for medical advice, diagnosis, or treatment.
Because the Care Plan summarizes your answers to a set of questions, the Care Plan’s accuracy depends on the accuracy of the information you provide. CareScout, LLC is not responsible for the accuracy of such information, or for any errors or omissions therein. CareScout, LLC is not responsible for claims, loss, or damage caused or alleged to be caused, directly or indirectly, by use of information you provide to CareScout, LLC.
The information provided in the Care Plan is not intended to serve as the sole basis upon which any material decision is made. CareScout, LLC assumes no responsibility for any consequence relating directly or indirectly to any action or inaction you take based on the Care Plan.
The Care Plan is not an assessment of eligibility for any long-term care insurance policy or government program. It also does not replace any assessment your care provider may administer in order to determine the most appropriate services for you.
Third-party services identified in Care Plans
The Care Plan may suggest actions for you to consider, including use of services or products provided by third parties. You are under no obligation to take any action or use any service referenced in the Care Plan, nor are you obligated to use services from any Providers or any advisory or placement Services provided by CareScout, LLC.
CareScout, LLC is not paid by CQN Providers or Certified CQN Providers for inclusion or favorable placement in any Care Plan. If you choose to use a Provider in the CareScout Quality Network, CareScout, LLC may be compensated by your Provider for services you have received. For detailed information on our Quality Network, please refer to the section of the Terms entitled, “CareScout Quality Network.”
CareScout, LLC is not liable or responsible for third-party services or work product. A reference to a CQN Provider or Certified CQN Provider means only that the Provider has satisfied the requirements applicable to that designation; it is not a guarantee of the Provider’s services or suitability for you.
Collection and use of information
CareScout, LLC will need to collect, store, and use personally identifiable information from you for the purpose of providing the Care Plan. By providing your information to CareScout, LLC, you agree that we may use it in accordance with the Terms and with our Privacy Policy.
We may also request your feedback for the purpose of improving the Care Plan.
CareScout, LLC may decide to stop offering Care Plans at any time. Any previously collected personal information will be handled in accordance with these Terms and Privacy Policy.
Care Plan delivery
Following completion of the evaluation, the Care Plan will be transmitted via email to you and/or anyone you designate. If you would like us to send your Care Plan via encrypted email, please call us at (800) 870-8479.
CareScout Quality Network
The CareScout Quality Network is a network of Home Care providers, Senior Living Communities, and other aging care providers that have contracted with CareScout and satisfied the participation requirements applicable to their provider type and CQN designation.
The CareScout Quality Network is not health or long-term care insurance. We don’t pay Providers or process claims.
CQN and Certified designations
CareScout applies different participation and review requirements based on the type of Provider and the designation involved. As a result, the nature and scope of CareScout’s review process may differ among Providers.
Senior Living Communities and Home Care Providers participate in the CareScout Quality Network differently. Senior Living Communities may participate as either CQN Providers or Certified CQN Providers. Home Care Providers that participate in the CareScout Quality Network are designated as Certified CQN Providers after satisfying the requirements applicable to that Provider type. In other words, all Home Care Providers participating in the CareScout Quality Network are Certified CQN Providers, while Senior Living Communities may participate in the CQN with or without the Certified designation.
A Senior Living Community may become a CQN Provider after contracting with CareScout, LLC and satisfying the verification and screening requirements applicable to Senior Living Communities. A Senior Living Community participating in the CQN has not necessarily completed CareScout’s full credentialing process required to become a Certified CQN Provider.
The Certified CQN Provider designation is CareScout’s highest Provider designation. Providers receiving that designation have completed the full credentialing process applicable to their Provider type. CQN Providers and Certified CQN Providers may be identified on the Sites and in other materials through badges, marks, or other designations.
A designation of CQN Provider or Certified CQN Provider reflects CareScout’s review under the requirements applicable at the time of review. It is not a guarantee of a Provider’s services, personnel, future performance, suitability for a particular person, or continued participation in the CQN. CareScout may modify its participation requirements and designations over time.
Provider listings
You may identify Providers, CQN Providers, and Certified CQN Providers in your area through the search function provided on the Sites or by contacting CareScout by phone. CareScout may tailor how options are presented based on identified metrics, user preferences, CQN participation, Certified designation, location, service availability, or other relevant factors.
CareScout may receive compensation in connection with referral, placement, Platform, preferred-pricing, or other Services, as explained in these Terms or at the time the applicable Service is provided. However, compensation does not determine whether a Provider satisfies the requirements for CQN participation or Certified status. Additionally, Providers do not pay CareScout to be featured more prominently than others in our search results or in the listings that we send you.
CareScout ID and Member access
There is no charge to request or receive a CareScout ID. A CareScout ID may provide access to certain Member benefits or Services, which may include preferred pricing from CQN Providers who provide Home Care services, Home Care invoice validation, or personalized assistance navigating Provider and senior living options. Available benefits vary by Provider, Service, location, and the manner in which you receive access to CareScout.
Ending use of Member benefits
You are not required to cancel your CareScout ID when you discontinue receiving services from your Provider. If you nevertheless wish to deactivate your CareScout ID or tell us why you are no longer using the Services, please contact us at (855) 885-6612.
Please note that upon cancellation of your CareScout ID, member benefits such as preferred pricing may be terminated by a Provider, even if the type or level of care that you have been receiving with a CQN Home Care Provider has not changed. CareScout, LLC may continue to receive fees for Home Care services you receive until preferred pricing is terminated by your Provider. Additionally, your CareScout ID is unrelated to any fee CareScout may collect in association with your move into a senior living community that we referred you to.
Provider participation and review
Providers do not pay CareScout to apply for or be approved for CQN participation or Certified CQN Provider status.
CareScout reviews Providers under requirements appropriate to the Provider type and designation. These requirements may include verification of licensure or operational status, reputational or sanctions screening, review of publicly available regulatory information, financial or organizational review, assessment of policies and practices, monitoring, or periodic revalidation or recredentialing. Not every review applies to every CQN Provider.
CareScout Certified Providers complete CareScout’s full credentialing process applicable to their Provider type. That process includes additional review beyond the requirements for CQN participation without the Certified designation.
CareScout may use monitoring tools and periodic reviews to identify information that may affect a Provider’s participation or designation. CQN participation and Certified status may be changed, suspended, or ended if a Provider no longer satisfies the applicable requirements.
Person-centered care
CareScout’s full credentialing process for Certified CQN Providers includes consideration of person-centered care requirements applicable to the Provider type. Person-centered care looks beyond safety and considers a person’s values, preferences, and goals in the care or services received. CareScout may use Provider information, surveys, or other review methods to assess relevant person-centered care practices.
CQN participation without the Certified designation should not be understood to mean that the Provider has completed CareScout’s full person-centered care review.
Provider responsibility for care delivery
CareScout, LLC does not provide or oversee the delivery of care services and is not responsible for the delivery of care services or for the actions of any Provider you select. CareScout’s review is conducted at the Provider or organizational level and varies based on the Provider type and designation. No verification, screening, monitoring, or credentialing process can guarantee the conduct or performance of individual employees or the quality of every service encounter. All aspects of a Provider’s services, including, for example, employee management and quality control, are the responsibility of the Provider. In the event that a caregiver falls short of your expectations, please let your Provider know as soon as possible. We also encourage you to contact CareScout, LLC at (855) 885-6612, because we consider your feedback an important part of our ongoing Provider monitoring.
Preferred pricing on Home Care services from CQN Providers
We negotiate discounts for families and a CareScout, LLC fee from CQN Providers of Home Care services. Preferred pricing, which is the discounted rate for CareScout, LLC Members, varies depending on the Provider and Home Care services received from that Provider. It can also vary depending on whether you join CareScout, LLC directly or through a Partner relationship. The pricing information you receive from CareScout, LLC or your Home Care Provider will identify your preferred pricing from that particular Provider, so you can make an informed decision before scheduling Home Care services with that Provider.
You will need to share your CareScout ID with your Home Care Provider to receive preferred pricing. Please refer to the pricing information that you receive from CareScout, LLC or your Provider to identify whether any of the Provider’s services are excluded from preferred pricing.
Preferred pricing may save you money on Provider Home Care services. If you have a long-term care policy, preferred pricing may also save your insurance company money on services covered under your policy, which may help your policy benefits last longer.
Keep in mind that the search results may not include the lowest cost providers in your area. Providers outside the CareScout Quality Network may offer the same or similar services at lower, comparable, or higher prices. CQN participation does not mean that a Provider offers the lowest available price.
Preferred pricing may not be available in all instances. For example, in some cases, a Home Care Provider has already reduced its rates significantly below the market cost of care. We make these Providers available to you as part of our commitment to keep the cost of care down and to offer choice of Providers nationwide. CareScout, LLC receives no fee in relation to Home Care services from CQN Providers who do not offer preferred pricing.
In addition, preferred pricing may only be available to new customers of a Provider in the CareScout Quality Network and not existing customers of that Provider. Please call CareScout, LLC if you are an existing customer of a Provider and would like to know if it is part of the CareScout Quality Network and, if so, whether it will provide you with preferred pricing.
Please note that changes in Provider rates occur from time to time, which in turn affects preferred pricing. If it has been some time since you have received Providers’ rates from CareScout, LLC, please call us for up-to-date preferred pricing. Preferred pricing may end if the Provider leaves the CQN, if its agreement with CareScout changes or ends, or if the pricing terms otherwise expire or change.
Our online directory is the current source for details on Provider options and can be found at CareScout.com.
Any preferred pricing available through the CareScout Quality Network will not apply to services or any portion of services covered by a federal or state health care or long-term care program.
Preferred pricing validation
CareScout, LLC will review the invoices from your CQN Provider for the purpose of ensuring that preferred pricing was applied to all eligible Home Care services. Upon validation of preferred pricing for each invoice, CareScout, LLC will send it back to your Home Care Provider. You will then be billed directly by the Provider. With the exception of preferred pricing validation, CareScout, LLC does not check your invoices for accuracy, so you will need to address other billing issues directly with the Provider.
CareScout, LLC and your Provider may need to exchange your personal information for the purpose of delivering the Services. Where required by law, you authorize CareScout, LLC and your Provider to share your personal information with each other for this purpose.
For details on how we collect and use personal information outside of invoice validation, please review our Privacy Policy. For details regarding your Provider’s collection of your information, please reach out to your Provider.
Keep in mind that you are responsible for payment to the Provider as you incur costs for use of their services. CareScout does not participate in disputes between Members and Providers regarding charges for services, except to the extent the dispute relates to the application of preferred pricing.
If you have any questions regarding our invoice validation process, please contact us at (800) 846-4595 or invoice@carescout.com.
No effect on insurance coverage or policy benefits
If you are using long-term care insurance to pay for your care needs, you are responsible for confirming the eligibility of any Provider under your policy with your long-term care insurance carrier. Whether or not you choose a provider in the CareScout Quality Network has no impact on the benefits and other terms of your insurance policy and is not a guarantee that your insurance carrier will pay for services offered by that Provider or that your insurance carrier will approve that Provider under the terms of your insurance policy.
You are under no obligation to use CareScout, LLC to locate a Provider or to use any Provider CareScout identifies.
If you have questions about your insurance coverage, claim eligibility, or whether the services of certain Providers are eligible for policy coverage, please contact your long-term care insurance carrier. Eligibility and claims determinations can only be made by your insurance carrier.
Additional limitations on the Services
In addition to limitations on the Services described throughout the Terms, the following limitations apply.
CareScout, LLC does not provide legal, financial, medical, or other similar professional services or advice, and the Services are not a substitute for such professional services or advice.
Search results will not help you identify a Provider of services covered by Medicare, Medicaid, or other federal or state health care programs. You don’t have to use any provider identified by CareScout, LLC, including the Providers in the CareScout Quality Network, in order to access benefits under a government health care program such as Medicare or Medicaid or to access benefits under any long-term care insurance policy. Additionally, and as previously noted in the section entitled “Preferred Pricing,” any preferred pricing available through the CareScout Quality Network will not apply to services or any portion of services covered by a federal or state health care program.
Provider search results will not identify whether a Provider’s services will be covered by private insurance or any other program. You are responsible for confirming the eligibility of any Provider under any long-term care insurance policy you may own.
CareScout relies on Providers, Advisors, public sources, vendors, and other third parties to provide or update certain information displayed or used in connection with the Services. CareScout, LLC is not responsible for the accuracy of such information, or for any errors or omissions therein. CareScout, LLC is not responsible for claims, loss, or damage caused or alleged to be caused, directly or indirectly, by use of information you receive from CareScout, LLC.
CareScout Insurance Company
The financial obligations of the insurance policies are the sole responsibility of CareScout Insurance Company. Neither CareScout Holdings, Inc., CareScout, LLC, nor any other affiliate of CareScout Insurance Company is legally responsible for policy obligations.
No offer
The information on the Sites is not an offer by or on behalf of CareScout Insurance Company to sell or solicit an offer to buy an insurance product.
The information contained on the Sites is inherently limited in scope and may change without notice. The information also does not contain all of the applicable terms, conditions, limitations or exclusions of the insurance policies described.
CareScout Insurance Company’s information is provided below.
Name of Company | NAIC # | State of Domicile | State Licenses | Principal Place of Business |
CareScout Insurance Company | 94072 | VA | AL, AK, AR, AZ, CO, CT, DC, DE, GA, HI, IA, ID, IN, IL, KS, KY, LA, MD, MI, MO, MS, MT, NC, ND, NH, NM, NV, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY | 11011 West Broad Street, Glen Allen, Virginia 23060 |
Account and Communications
Information provided by you
In order to use certain functionality on our Sites, you may have to register. You agree to provide true, accurate and current information about yourself as prompted by the registration and application forms on the Sites. If any information you provide is untrue, inaccurate, incomplete or not current, or if CareScout has reasonable grounds to suspect that it is untrue, inaccurate, incomplete or not current, CareScout, in its sole discretion, has the right to suspend or terminate your access to the Sites.
You may update information about yourself by logging into your account, calling the number on your policy statement, writing to the address on that statement, or calling (833) 799-8030. As applicable to the type of account you register, you are solely responsible for controlling your username, password, and answers to any security questions, for maintaining the confidentiality thereof, and for authorizing, monitoring and controlling access to and use of your account, whether by you or others. Further, you agree that CareScout will not be liable to you or any third party if CareScout terminates your access to the Sites, and the Services or materials thereon, or disables any username, password or other identifier for any reason.
Except for the information you submit during the registration process or during the use of any other functionality offered through the Sites (the “Permitted Information”), CareScout does not want you to, and you should not, send any confidential or proprietary information to CareScout via the Sites, i.e., through a bulletin or comment platform. You agree that any information or materials that you or individuals acting on your behalf provide to CareScout other than the Permitted Information will not be considered confidential or proprietary. By providing any such information or materials to CareScout you grant to CareScout an unrestricted, irrevocable, worldwide, royalty-free license to use, reproduce, display, publicly perform, transmit, distribute and sub-license to others such information and materials, and you further agree that CareScout is free to use, and allow others to use, any ideas, concepts or know-how that you or individuals acting on your behalf provide to CareScout. You further recognize that CareScout does not want you to, and you warrant that you shall not, provide any information or materials to CareScout that is defamatory, threatening, obscene, harassing, or otherwise unlawful, or that incorporates the proprietary material of another.
CareScout will use the Permitted Information in accordance with its Privacy Policy.
SMS notifications
As used in these Terms of Use, “SMS Notification” means any SMS (text message) communication from us to you.
How to unsubscribe
You may withdraw your consent to receive SMS Notifications by texting STOP to the message you receive. You may also withdraw your consent by contacting us via phone at (833) 799-8030. At our option, we may treat your provision of an invalid mobile phone number, or the subsequent malfunction of a previously valid mobile phone number, as a withdrawal of your consent to receive SMS Notifications.
How to update your records
It is your responsibility to provide us with your true, accurate and complete contact information, and to maintain and promptly update any changes in this information. You agree that you have provided your valid mobile phone number for SMS Notifications, and that you will promptly update your profile on CareScout.com with any new information including a new mobile number. You can update the information in your profile by logging in to CareScout.com or by calling us at (833) 799-8030.
To communicate with CareScout about your insurance policy or, if applicable, your claim, contact CareScout Insurance Company at (833) 799-8030, to speak with a CareScout Insurance Company customer service representative.
Hardware and software requirements
To receive SMS Notifications, you must have a SMS-capable mobile phone, an active mobile phone account with a communication service provider that offers SMS services, and enough storage capacity on your mobile phone.
Charges
There are no charges for SMS Notifications by CareScout, but you are responsible for all charges imposed by your communications service provider. Consult your mobile service carrier's pricing plan to determine the charges for sending and receiving text messages. These charges will appear on your mobile phone bill.
SMS notification responses not possible for insurance or claim matters
Please note that you cannot respond to a CareScout SMS Notification to communicate with CareScout about your insurance policy or, if applicable, your claim. To contact CareScout Insurance Company, please call (833) 799-8030 to speak with a Customer Service representative.
911 and emergency calls not available
You cannot respond to a CareScout SMS Notification to make a 911 or emergency call. CareScout will not be responsible for any claim, damage, or loss related to use of this function for a 911 or emergency call.
Other important terms
You agree that we may send any SMS Notifications through your communication service provider in order to deliver them to you. You understand that you are not required to receive text messages (directly or indirectly) as a condition of transacting with CareScout. Text messages may be sent by automatic telephone dialing system. You further agree to indemnify, defend and hold us harmless from and against any and all claims, losses, liability, cost and expenses (including reasonable attorneys' fees) arising from your provision of a mobile phone number that is not your own, or your violation of applicable federal, state or local law, regulation or ordinance, or for unauthorized interception of any message by a third party. Messages sent to you via SMS Notifications are provided for your convenience only, and our failure to notify you via text will not relieve you of any obligations. We may modify or terminate our text messaging services, for any reason and without notice, without liability to you, any other user, or a third party.
Changes to the Services or Terms
CareScout may modify the Terms at any time and such modifications shall be effective immediately upon CareScout’s posting of the modified Terms on its Sites.
You agree that it is your responsibility to review the Terms periodically. If you do not agree to any provision of the Terms or any modification thereto, you must stop using the Services and the Sites. Your continued use of the Services and Sites following any modification of the Terms will constitute your acceptance of the modified Terms.
We will notify you if a change to our Services affects the Provider services you receive.
Legal Terms
Disclaimer of warranties
To the maximum extent permitted by law, CareScout disclaims all express and implied warranties with regard to the Services and Sites, including without limitation any implied warranties of merchantability, fitness for a particular purpose, and non-infringement. All such Services and Sites are provided “as is” and “as available” without warranty of any kind. CareScout does not warrant that the Services, Sites, or any content made available through them will be uninterrupted, error-free, secure, or free from viruses, malware, or other harmful components.
Limitation of liability
CareScout shall not be liable for any special, indirect, punitive, incidental, exemplary, or consequential damages, including from loss of use, loss of data, loss of profits, loss of goodwill, personal injury or death, property damage, or other losses or expenses related to, in connection with, or otherwise resulting from use of the Services or the Sites, whether based on breach of contract, tort (including negligence), product liability or otherwise, even if CareScout has been advised of the possibility of such damages.
CareScout shall not be liable for any services you receive from third parties, including Providers. You agree to release CareScout, and its affiliates, officers, directors, employees, and agents, from any and all claims, demands, and damages arising from or in any way connected with your use of third-party products or services, including but not limited to any disputes, loss, or damage of any kind that may arise as a result of your interactions with Providers or Partners. You agree that the Terms establish limitations on your use of the Services and Sites and that the Services and Sites would not be provided to you absent such limitations.
The above limitations on liability may not apply in certain states.
Indemnification
You agree to indemnify and hold harmless CareScout and its affiliates, officers, directors, employees, and agents from and against any and all actions, claims, demands, liabilities, damages, losses, costs, expenses, or fees (including attorneys' fees) arising from or related to your use of the Services and Sites, your violation of the Terms, or your violation of the rights of any third party. CareScout reserves the right to assume at its own expense the exclusive defense and control of any matter subject to indemnification by you, in which event you will fully cooperate with CareScout in asserting any available defenses.
Intellectual property
All materials and content of the Services and the content, organization, and layout of the Sites are owned or copyrighted by CareScout, its Providers, or its Partners and are for personal use only, except where expressly indicated.
In addition to copyright laws, the content and materials on the Sites may also be protected by trademarks, patents, or other proprietary rights or laws. Without the prior written permission of CareScout, you may not frame or use framing techniques, sell, license, rent, modify, distribute, copy, reproduce, transmit, publicly display, publicly perform, publish, adapt, edit, or create derivative works from any material and content on the Sites, in whole or in part.
You agree to use the Services and any content and materials on the Sites only for lawful purposes and in a way that does not infringe the rights of, restrict, or inhibit anyone else's use and enjoyment of the Sites. Any unauthorized use terminates the permission granted by CareScout.
If you believe that your work has been copied and is accessible on the Sites in a way that constitutes copyright infringement, please contact CareScout to report the possible infringement.
Further, with respect to the Sites, including all information, content, data, and any materials referenced, you may not:
Use the information, content, data, or materials in any other website or in any network computer environment in any form.
Use any manual or automatic device, tool, or process, including robots, spiders, scripts, service, or software, to mine or scrape the information, content, data, or materials from the Sites; provided, however, that a limited exception from the foregoing exclusion is provided to general purpose internet search engines and non-commercial public archives that use tools to gather information for the sole purpose of displaying hyperlinks to the sites, provided they each do so from a stable IP address or range of IP addresses using an easily identifiable agent. Please also see the section entitled, “External Links to the Sites.”
Use the information, content, data, or materials for the purpose of developing a software program or system, such as training a machine learning or artificial intelligence system.
Use any manual or automatic device, tool, process, or service designed to avoid restrictions, conditions, or technological measures that control access to the information, content, data, or materials on the Sites, including overriding or bypassing security features, access controls, or use limits outlined in these Terms of Use.
Archive, store, or cache, any information, content, data, or materials in any way, except for a public search engine’s use of spiders for creating search indices;
Take any action that imposes an unreasonable or disproportionately large burden on our network or infrastructure.
Take any action that could alter, disable, or damage either the appearance or function of the Sites, including the presentation of advertising.
Each of the above uses is considered prohibited and may be subject to civil, criminal, and/or administrative penalties, fines, or sanctions against you or those working with you.
Other agreements; Order of precedence
If you or the entity you represent has entered into a separate written agreement with CareScout or one of its affiliates governing a Site or Service, that agreement controls for the subject matter it covers; these Terms apply to matters on which that agreement is silent; and the separate agreement controls in the event of a conflict.
No waiver; Assignment; Severability
A failure or delay by CareScout or any affiliate in exercising a right is not a waiver. You may not assign these Terms without our prior written consent. If a provision is held invalid or unenforceable, it will be enforced to the maximum extent permitted and the remaining provisions will remain effective. These Terms do not create a partnership, joint venture, employment, agency, brokerage, fiduciary, or franchise relationship.
International users and choice of law
The Sites and Services are controlled, operated and administered by CareScout from its offices within the United States of America for consumers in the United States of America. CareScout makes no representation that materials at the Sites or the Services are appropriate or available for use at other locations outside the United States and access to them from territories where their contents are illegal is prohibited. You may not use the Sites or export the materials or Services in violation of U.S. export laws and regulations. If you access the Sites from a location outside the United States, you are responsible for compliance with all local laws.
Subject to the “Other agreements; Order of precedence” section, these Terms constitute the entire agreement between CareScout and you with respect to your use of the Sites and Services. Any cause of action you may have with respect to your use of the Sites and Services must commence within one (1) year after the claim or cause of action arises.
Dispute Resolution
Governing law
The Terms shall be governed by the laws of the State of New York, United States of America, without giving effect to its conflict of law provisions, except as provided in the section entitled “Arbitration and disputes.”
Arbitration and disputes
You agree that any dispute between you and CareScout arising out of or relating to the Terms or the Services will be decided only by arbitration, individually and not on a class-wide basis. You knowingly waive any right to participate in any form of “class,” “joint” or “representative” litigation (including in any private attorney general capacity) against CareScout. Any arbitration will be administered by the American Arbitration Association and will take place in New York, NY, U.S.A.
Waiver of jury trial
YOU AND CARESCOUT IRREVOCABLY WAIVE ANY AND ALL RIGHTS TO A TRIAL BY JURY WITH REGARD TO ANY DISPUTE, CLAIM, QUESTION, OR DISAGREEMENT ARISING OUT OF OR RELATING TO OR IN CONNECTION WITH THESE TERMS AND CONDITIONS OF USE, THE PRIVACY POLICY, THE SITES, ANY MATERIAL, OR THE RELATIONSHIP OF THE PARTIES HEREUNDER.
State Notices
Notice required by California law
Pursuant to California Civil Code Section 1789.3, users are entitled to the following specific consumer rights notice:
The name and address of the provider of the Sites is CareScout Holdings, Inc., 11011 West Broad Street, Glen Allen, Virginia 23060. Complaints regarding the Sites, Services, or requests to receive further information regarding use of the Sites or Services may be sent to the above address or to consumerhotline@carescout.com.
The Complaint Assistance Unit of the Division of Consumer Services of the California Department of Consumer Affairs may be contacted in writing at 1625 North Market Boulevard, Suite S202, Sacramento, CA 95834 or by telephone at (916) 574-7950 or (800) 952-5210.
Notice required by Oregon law
The Oregon Licensed Long Term Care Settings Search website provides public access to provider profiles, inspection reports, substantiated violations, and regulatory actions: https://ltclicensing.oregon.gov.
Contact Information
CareScout
11011 West Broad Street
Glen Allen, VA 23060
Tel: (800) 571-1918
Fax: (800) 513-8860