Compliance & Disclosures
Regulatory Disclosures & Licensing
Detroit Insurance Services is committed to transparency. This page contains our Michigan DIFS licensing information, CMS Medicare disclosures, and links to our legal documents.
Michigan Licensing
Detroit Insurance Services is licensed by the Michigan Department of Insurance and Financial Services (DIFS) to sell insurance products in the state of Michigan.
Medicare Disclosures (CMS Required)
CMS Required Disclosure
We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE (TTY: 1-877-486-2048), 24 hours a day/7 days a week, or your local State Health Insurance Assistance Program (SHIP) to get information on all of your options.
Detroit Insurance Services is not connected with or endorsed by the U.S. government or the federal Medicare program. Detroit Insurance Services is an independent insurance agency and is not affiliated with any government agency.
Detroit Insurance Services is a licensed and CMS-certified Medicare insurance agent. We are compensated by insurance carriers for enrollments — not by Medicare beneficiaries. This compensation does not affect the premium you pay.
Medicare has neither reviewed nor endorsed the information on this website. Medicare beneficiaries should verify plan details, including provider networks and formularies, directly with the plan before enrolling.
Plan availability, benefits, and premiums vary by county and are subject to change annually. Always review the Annual Notice of Change (ANOC) sent by your plan each fall before the Annual Enrollment Period (October 15 – December 7).
Enrollment in a Medicare Advantage or Part D plan depends on the plan's contract renewal with Medicare. Enrollment in a plan does not guarantee coverage for all services — always verify coverage with your plan.
Compensation Disclosure (Michigan MCL 500.1204)
As required by Michigan law (MCL 500.1204), Detroit Insurance Services discloses that we are compensated by insurance carriers in the form of commissions when clients enroll in or renew coverage. This compensation is paid by the carrier and does not increase the premium you pay — insurance premiums are set by the carrier and regulated by the Michigan Department of Insurance and Financial Services (DIFS). We represent multiple carriers and are not obligated to recommend any specific company. Upon request, we will provide you with information about the compensation we receive for any product we recommend.
Contact & Communications Consent
By submitting a quote request or contact form on this website, you expressly consent to be contacted by a licensed Detroit Insurance Services advisor by telephone (including mobile phone), email, or text message regarding insurance products and services. Consent is not a condition of purchase. Message and data rates may apply. You may opt out of text messages at any time by replying STOP. You may opt out of email communications by using the unsubscribe link in any email we send. We do not sell, rent, or share your personal information with third parties for their marketing purposes. For full details, see our Privacy Policy.
Filing a Complaint
If you have a concern about your insurance coverage or our services, we encourage you to contact us directly first. If your concern is not resolved, you may file a complaint with the Michigan Department of Insurance and Financial Services.
Michigan DIFS Contact