Terms of Use

Information, not an insurance contract

Website descriptions are general and do not contain every policy benefit, exclusion, limitation, eligibility rule, or cost. Information may change, and a description does not replace a carrier's policy, certificate, application, or official plan documents. Ask an agent for current details before making a decision.

Nothing on this website guarantees approval, eligibility, savings, a particular premium, or payment of a claim. Insurance coverage begins only after carrier approval or acceptance, on the applicable effective date, and after required premium payment and other applicable conditions are met. A quote, inquiry, or conversation alone does not put coverage in force.

Contact and appointment requests

Submitting the form asks us to review your inquiry and respond consistent with your contact choice. It is not an application, enrollment, policy change, cancellation, claim filing, or confirmed booking. A preferred date, time, or agent is a request and must be confirmed separately.

Do not use the form for urgent medical needs, emergencies, or time-sensitive claims or coverage changes. For an emergency, call 911. For a policy deadline, claim, or coverage change, use the carrier's designated process or contact the agency directly and obtain confirmation.

A general request for contact is not a Medicare Scope of Appointment. An agent may need to complete a separate permission or appointment-scope process before discussing specific Medicare drug plan options.

Availability and product differences

Available products, rates, benefits, enrollment periods, underwriting, and eligibility vary by carrier, policy, state, and individual circumstances. Bates Insurance Group serves Oklahoma and Kansas, with service subject to the applicable agent authority and product availability.

Supplemental accident, cancer, critical illness, medical bridge, and other limited-benefit policies are not comprehensive major medical insurance. They cover specified events or expenses under their own terms and are not a substitute for a major medical plan.

Responsible website use

Provide accurate contact information and submit requests only for yourself or someone you are authorized to assist. Do not submit sensitive health records, Social Security numbers, Medicare IDs, or payment information through the general website form.

Do not attempt to access another person's information or the owner's dashboard, disrupt the website, upload harmful material, or use the form for spam or unlawful activity.

External resources and website availability

Links to carriers and official information resources are provided for convenience. Their information, terms, privacy practices, and availability are controlled by those organizations. A link is not a guarantee of their content or an endorsement of Bates Insurance Group by that organization.

The website may be interrupted or contain an error. We cannot guarantee uninterrupted access, immediate form review, or that every description remains current. Call 580-765-0177 if you need to confirm receipt or verify information. These terms do not replace the rights or obligations in an insurance contract or under applicable law.

Questions and updates

Contact Bates Insurance Group at 580-765-0177 or 3004 Turner Street, Ponca City, OK 74604 with questions about this website. We may revise these terms as the website changes; an update does not itself change an existing insurance policy.