Point Rock Group, Inc.
1317 Hickory Valley Road
Chattanooga, TN 37421
info@pointrockgroup.com
pointrockgroup.com
Effective Date: October 20, 2025
By using this website and any associated services, you agree to the terms outlined in this disclaimer.
Agreement to Terms
THESE TERMS GOVERN THE USE OF THIS WEBSITE. PLEASE READ THEM CAREFULLY BEFORE ACCESSING THE SITE. IF YOU DO NOT AGREE WITH THESE TERMS, DO NOT ACCESS THE WEBSITE. BY ACCESSING THE WEBSITE OR ANY OF ITS PAGES, YOU AGREE TO BE BOUND BY THESE TERMS.
Nature of Services
Point Rock Group, Inc. provides assistance and guidance with health insurance enrollment. We help you compare plans and assist you in entering your information directly into insurance carrier websites. Point Rock Group does not collect, store, or maintain your personally identifiable information, Social Security number, health information, or financial data. Your information is entered directly into the carrier’s secure systems and is subject to their policies.
General; For-Profit Entity Statement
The health plans offered on this website are provided by Cigna, TruHealth, and SB/A CoOp. Point Rock Group, Inc. is acting as a for-profit broker for such plans and is not, nor does it intend to warrant itself as, a health insurance provider. The broker acts solely as an intermediary to facilitate the connection between consumers and third-party insurers.
All information compiled on this website has been provided to Point Rock Group, Inc. from the underlying health plan offerors. Point Rock Group, Inc. makes no representations and warranties about the plans, and each consumer should do his/her own research into which plan is right for them before purchasing. This disclaimer is designed to comply with federal regulations and the Tennessee Consumer Protection Act. For further inquiries, please contact us at 423-899-2425.
Insurance Carrier Agreements Control
When you enroll in health insurance, you are entering into a direct agreement with the insurance carrier. The carrier’s terms, conditions, privacy policy, and plan documents govern your coverage. Point Rock Group, Inc. is not a party to these agreements and has no control over carrier decisions, coverage terms, claims processing, or billing.
Nothing contained on this website takes the place of the formal insurance policy, plan documents, and agreements between you and the insurance carrier. If any information on this site conflicts with the insurance carrier’s documents, the carrier’s documents will control.
Accuracy of Information
While Point Rock Group, Inc. makes reasonable efforts to ensure plan information on our website is accurate and current, we cannot guarantee that all content is always correct, complete, or up-to-date. Plan details, pricing, network coverage, and availability are determined by insurance carriers and may change without notice.
Users are responsible for verifying all plan information directly with insurance carriers before enrollment. The plan documents and Summary of Benefits and Coverage provided by the carrier are the definitive sources for coverage details.
No Professional Advice
The information and services provided through this website are offered with the understanding that Point Rock Group, Inc. is not engaged in rendering legal, accounting, tax, or medical advice. If professional assistance is required, you should seek the services of a qualified professional.
Point Rock Group, Inc. provides health insurance brokerage assistance only. We help consumers compare and understand insurance options. We do not provide medical advice, legal advice, or financial planning services.
Assumption of Risk
By using our services to compare or enroll in health insurance plans, you acknowledge and assume all risks associated with your health insurance coverage decisions. Point Rock Group, Inc. assists with plan selection and enrollment but does not determine coverage, benefits, or claims decisions.
You are responsible for:
Verifying all plan information before enrolling | Ensuring the plan meets your healthcare needs | Understanding plan limitations, exclusions, and costs | Maintaining your insurance coverage by paying premiums | Understanding and following plan rules for using benefits
Limitation of Warranties
Point Rock Group, Inc. makes no warranties of any kind regarding the health insurance plans offered on this site. We expressly disclaim any representation and warranty, express and implied, including, without limitation, warranties regarding:
Plan benefits or coverage | Network adequacy or provider availability | Suitability of any plan for your specific needs | Acceptance of your application by carriers | Timing or effectiveness of coverage | Claims payment or processing | Premium costs or changes
To the maximum extent permitted by law, all services and information are provided “as is” without warranties of any kind, either express or implied.
Limitation of Liability
Point Rock Group, Inc. disclaims any liability for decisions made based on the information provided on this website. POINT ROCK GROUP, INC. SHALL NOT BE HELD LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, PUNITIVE, EXEMPLARY, OR CONSEQUENTIAL DAMAGES ARISING FROM THE USE OF, OR RELIANCE ON, THE INFORMATION PROVIDED HEREIN.
THIS INCLUDES, BUT IS NOT LIMITED TO: CLAIMS DENIALS, COVERAGE GAPS, NETWORK ISSUES, PREMIUM COSTS, BILLING ERRORS, ENROLLMENT PROBLEMS, DELAYS IN COVERAGE, POLICY CANCELLATIONS, MEDICAL EXPENSES, OR ANY OTHER MATTERS RELATED TO YOUR INSURANCE COVERAGE OR DETERMINED BY INSURANCE CARRIERS.
Point Rock Group, Inc. is not responsible for any loss, damage, expense, or penalty arising from:
Decisions you make regarding health insurance enrollment or coverage | Information provided by insurance carriers | Actions or decisions made by insurance carriers | Coverage gaps, claims denials, or billing issues | Network limitations or provider availability | Plan changes made by carriers | Delays in coverage effective dates | Any matters determined by insurance carriers
Point Rock Group, Inc. provides assistance only. We are not responsible for insurance carrier actions, decisions, policies, or failures.
In all cases, Point Rock Group, Inc.’s total liability shall not exceed the greater of the amount you paid for our assistance services (if any), or $1.00 USD.
Point Rock Group, Inc. reserves the right to update or change these disclaimers at any time. It is the responsibility of the consumer to review these disclaimers periodically for any updates or changes.
No Guarantee of Enrollment or Coverage
Point Rock Group, Inc. does not guarantee:
That any insurance carrier will accept your application | That you will qualify for any particular plan or subsidy | The accuracy of plan information provided by carriers on our website | That coverage will be in effect by any particular date | That any particular medical provider or facility will be in your plan’s network | That any particular medical service will be covered | Premium amounts or rate stability
All enrollment decisions, coverage determinations, and claims decisions are made solely by insurance carriers.
Federal and State Required Disclosures
Qualified Health Plans (QHPs) vs. Non-QHPs
Please note that some programs offered are Qualified Health Plans (QHPs) through the Health Insurance Marketplace (Exchange) and are eligible for tax credits and cost-sharing reductions. Non-QHPs do not qualify for these financial benefits. Consumers are advised to verify the details of any health plan directly with the insurer before making any decisions. This includes, but is not limited to, coverage options, premiums, and terms of service. For more information on QHPs, visit the Health Insurance Marketplace at HHS.gov.
HHS Universal Disclaimer
Applicants are informed that other QHP products are available through the Health Insurance Marketplace. For a comprehensive list of available QHPs, please visit the official Exchange website at HHS.gov.
Language Services
We are committed to ensuring that our services are accessible to individuals with limited English proficiency. Language assistance services are available on the underlying health provider’s websites, including taglines in the top 15 languages spoken by the limited English proficient population. For assistance, please contact the underlying health provider.
Accessibility for Individuals with Disabilities
We strive to make our information accessible to individuals with disabilities. Our website is designed to be accessible, and we offer auxiliary aids and services upon request. For more information, please contact our coordinator, Samuel B. (“Buck”) Orrison at 423-899-2425.
Non-Discrimination Statement
Point Rock Group, Inc. and the Plans Offered through this site do not engage in misleading, coercive, or discriminatory practices. We do not discriminate based on race, color, national origin, disability, age, sex, or any other class protected from discrimination by law. We are committed to providing equal access to our services for all individuals.
Health Benefits Disclaimer
One or more of the plans available on our website is a Health Benefits Plan, which is distinct from traditional health insurance. It is crucial for consumers to understand that a Health Benefits Plan does not provide the same level of coverage or benefits typically associated with a full-fledged health insurance policy.
A Health Benefits Plan may offer limited coverage and may not cover all medical expenses or services that a traditional health insurance plan would typically cover. The benefits provided under a Health Benefits Plan may differ significantly from those offered by health insurance, including but not limited to, the scope of services, provider networks, and out-of-pocket costs.
Health Benefits Plans may not be subject to the same regulatory requirements as health insurance plans, which can affect the protections and guarantees available to consumers. We strongly encourage all consumers to thoroughly review the details of any Health Benefits Plan offered on our website. It is essential to understand the specific terms, conditions, and limitations of the plan before making a purchase decision.
Links to Other Websites
From time to time, Point Rock Group, Inc. may provide links to insurance carrier websites and other third-party websites. Point Rock Group, Inc. has no control over any other website and is not responsible for the content, terms, or privacy practices of any site other than this one. Users assume all responsibility when they visit other sites via links on this page.
When you visit insurance carrier websites to obtain quotes or enroll in coverage, those websites’ terms and privacy policies govern your interactions with them.
Copyright and Intellectual Property
The information and materials contained in this website are owned by Point Rock Group, Inc. or by others, as applicable. No material may be copied, displayed, transmitted, distributed, framed, sold, stored for use, downloaded, or otherwise reproduced except as permitted by law.
Changes to This Disclaimer
This disclaimer may be changed from time to time by posting the updated version on the website. All users agree to be subject to this disclaimer as it changes from time to time. Your continued use of this website after any changes constitutes acceptance of the updated disclaimer.
Governing Law
This disclaimer and the use of this website are governed by the laws of the state of Tennessee.
Contact Information
For general inquiries about Point Rock Group:
Point Rock Group, Inc.
1317 Hickory Valley Road
Chattanooga, TN 37421
Phone: 423-899-2425
Email: info@pointrockgroup.com
For accessibility assistance:
Phone: 423-899-2425
For questions about your insurance coverage, policy terms, claims, or billing:
Contact your insurance carrier directly:
Cigna: Visit cigna.com or call the number on your insurance card | TruHealth: Contact their customer service | SB/A CoOp: Contact their customer service
State Insurance Department:
Tennessee Department of Commerce & Insurance
Insurance Division
Davy Crockett Tower
500 James Robertson Parkway
Nashville, TN 37243
Phone: 615-741-2218
Website: www.tn.gov/commerce/insurance
For residents of other states, contact your state insurance department.