Disclosures

Last Updated: May 7, 2026

This page contains required disclosures and disclaimers regarding our role as independent insurance producers. It applies to our work in ACA Marketplace health insurance, Medicare (Medicare Advantage, Medicare Supplement, and Part D), and life insurance.

1. Producer Information

Trade Name	Janowski Insurance Services
Licensed Producer	Matt Janowski
National Producer Number (NPN)	20765115
Virginia Resident Producer License	1379200
Lines of Authority	Health, Life, Annuities
State of Domicile	Virginia
Service Area	Virginia Beach, VA and surrounding cities

2. Required Medicare Disclaimer

3. Government Affiliation

Janowski Insurance Services is the trade name for private, independent insurance producers. We are not connected with or endorsed by the United States government or the federal Medicare program. We do not represent the Centers for Medicare & Medicaid Services (CMS), the Social Security Administration, or any state Medicaid agency.

4. Carrier Appointments

As independent producers, we represent multiple insurance organizations across the lines of business we offer. The specific carriers and product lines we are appointed with may change as we add or change appointments. The recommendation we make to you is based on the carriers and plans we are appointed to sell at the time of the recommendation, not on every plan available in your service area.

To request a current list of the carriers we are appointed with for ACA, Medicare, or life insurance, please contact us using the information at the bottom of this page.

5. How We Are Compensated

For ACA Marketplace, Medicare, and life insurance products, we are compensated by the insurance carrier when a policy is issued and remains in force. We do not charge clients a fee for plan comparison, enrollment assistance, or ongoing service. Your monthly premium is the same whether you enroll on your own or with us.

For products with material differences in compensation structure (such as certain annuity products), we provide a separate written disclosure at the time of recommendation, in accordance with applicable state law.

6. Federal Marketplace (HealthCare.gov) Registration

To assist consumers with ACA Marketplace enrollment, we maintain annual registration with the federally facilitated Marketplace (FFM) operated by CMS, including the required annual training and completion of the agreements with the Marketplace. Eligibility determinations for premium tax credits, cost-sharing reductions, Medicaid, and CHIP are made by the Marketplace based on the information you provide, not by us.

7. Notice of Availability of Language Assistance and Auxiliary Aids

We provide free aids and services to people with disabilities to communicate effectively with us, including written information in alternate formats (large print, audio, accessible electronic formats) where reasonably available.

We provide free language services to people whose primary language is not English, including qualified interpreters where reasonably available. Please contact us if you need these services.

8. Educational Information vs. Marketing Information

Pages on this website that describe Medicare, ACA, or life insurance products generally are educational in nature and do not contain plan-specific benefit, premium, or cost-sharing information that would constitute "marketing" under federal regulations. Plan-specific information is provided to you only after we have established a producer-client relationship and obtained any required scope-of-appointment or consent documentation.

9. Medicare Beneficiary Rights

Medicare beneficiaries have rights and protections established by federal law, including the right to receive information from CMS, the right to file complaints with CMS or your state's Senior Medicare Patrol, and the right to be free from discrimination based on race, color, national origin, age, disability, or sex. For more information, contact 1-800-MEDICARE or visit Medicare.gov.

10. Complaints and Regulatory Contacts

If you have a concern about our conduct or the service you have received, please contact us first using the information at the bottom of this page. If you believe your concern has not been addressed, you may also contact:

• Virginia State Corporation Commission, Bureau of Insurance — for licensure complaints. scc.virginia.gov · 1-877-310-6560
• Virginia Insurance Counseling and Assistance Program (VICAP) — for Medicare-specific concerns. 1-800-552-3402
• Centers for Medicare & Medicaid Services (CMS) — for Medicare program complaints. 1-800-MEDICARE (1-800-633-4227)
• HealthCare.gov — for ACA Marketplace concerns. 1-800-318-2596

11. Contact