Accessibility Statement

Our Commitment to Accessibility

The Bumgardner Insurance Group is committed to ensuring that our website, services, and facilities are accessible to all individuals, including those with disabilities. We believe that everyone deserves equal access to health insurance information and services, regardless of their abilities.

We are dedicated to providing an inclusive experience that allows all users to successfully navigate our website, understand their insurance options, and access our services. We are working toward compliance with applicable federal and state accessibility laws and guidelines.

As a Florida-based insurance agency serving Medicare and ACA marketplace plans, we recognize our responsibility to ensure that our services are accessible to all members of our community, including seniors and individuals with disabilities who may particularly benefit from our expertise.

Applicable Accessibility Standards

We are working toward compliance with applicable accessibility laws and standards, including:

• Americans with Disabilities Act (ADA): Federal civil rights law prohibiting discrimination based on disability
• Section 508 of the Rehabilitation Act: Federal law requiring accessible electronic and information technology
• Florida Accessibility Code: State requirements for accessibility in public accommodations
• Web Content Accessibility Guidelines (WCAG) 2.1 Level AA: International standards for web accessibility
• Medicare and CMS Accessibility Requirements: Federal requirements for Medicare-related services

Website Accessibility Features

Our website has been designed and developed with accessibility in mind. We are working to provide the following features, though not all have been fully implemented or tested across every page:

Visual Accessibility

• High Contrast Design: Aiming for sufficient color contrast ratios between text and background colors
• Readable Fonts: Clear, legible typography with appropriate font sizes
• Scalable Text: Working toward text that can be enlarged up to 200% without loss of functionality
• Alternative Text: Working to provide descriptive alt text for images and graphics
• Color Independence: Aiming to ensure information is not conveyed through color alone
• Focus Indicators: Working toward clear visual indicators for keyboard navigation

Navigation and Structure

• Logical Structure: Aiming for content organized with proper heading hierarchy
• Keyboard Navigation: Working toward full website functionality available via keyboard
• Skip Links: Aiming to provide options to skip to main content and navigation
• Consistent Layout: Working toward predictable page structure and navigation
• Descriptive Links: Aiming for link text that clearly describes the destination
• Page Titles: Unique, descriptive titles for each page

Forms and Interactive Elements

• Form Labels: Working toward clear labels associated with all form fields
• Error Messages: Working toward clear, descriptive error messages and instructions
• Required Fields: Aiming for clear indication of required form fields
• Button Descriptions: Aiming for descriptive button text and functionality
• Time Limits: Working toward adequate time for form completion with extension options

Media and Content

• Video Captions: Aiming to provide closed captions for video content (when applicable)
• Audio Descriptions: Working toward audio descriptions for visual content (when applicable)
• Document Accessibility: Working toward accessible formats for downloadable documents
• Plain Language: Aiming for clear, simple language throughout the website

Assistive Technology Support

We aim for our website to work with common assistive technologies, including:

• Screen Readers: JAWS, NVDA, VoiceOver, and other screen reading software
• Voice Recognition Software: Dragon NaturallySpeaking and similar programs
• Keyboard Navigation: Alternative keyboards and switch devices
• Magnification Software: ZoomText and other screen magnification tools
• Browser Accessibility Features: Built-in browser accessibility tools

We have not yet conducted formal testing with all of these tools and cannot guarantee full compatibility at this time.

Recommended Browser Settings

For the best accessibility experience, we recommend:

• Using the latest version of your preferred web browser
• Enabling JavaScript for full functionality
• Adjusting browser text size and contrast settings as needed
• Using browser accessibility features and extensions

Service Accessibility

Communication Options

We provide multiple ways to access our services to accommodate different needs and preferences:

• Phone Consultations: Detailed insurance consultations via telephone
• Email Communication: Written correspondence for those who prefer text
• In-Person Meetings: Face-to-face consultations in accessible locations
• Video Calls: Virtual meetings with screen sharing capabilities
• Large Print Materials: Insurance documents in large print format upon request
• Digital Documents: Electronic versions compatible with screen readers

Language and Communication Support

• Plain Language: Clear, jargon-free explanations of insurance concepts
• Interpretation Services: Assistance arranging interpretation services when needed
• TTY/TDD Support: Text telephone services for hearing-impaired individuals
• Extended Consultation Time: Additional time for consultations when needed

Physical Accessibility

When meeting in person, we ensure:

• Accessible meeting locations with wheelchair access
• Adequate lighting and seating arrangements
• Quiet environments for those with hearing difficulties
• Flexible meeting arrangements to accommodate individual needs

Third-Party Content and Links

Our website may contain links to third-party websites, including insurance company websites, Medicare.gov, HealthCare.gov, and other resources. While we strive to link only to accessible websites, we cannot guarantee the accessibility of third-party content.

If you encounter accessibility barriers on linked websites, we encourage you to contact those organizations directly. We are happy to help you find alternative ways to access the information or services you need.

Ongoing Accessibility Efforts

Continuous Improvement

Accessibility is an ongoing effort. We are committed to:

• Conducting accessibility audits and testing of our website as resources allow
• Staying current with accessibility standards and guidelines
• Incorporating user feedback to improve accessibility
• Exploring opportunities to work with accessibility consultants and experts
• Planning to test with assistive technologies and real users

Future Enhancements

We are continuously working to enhance the accessibility of our website and services. Planned improvements include conducting regular accessibility audits, user testing with individuals who use assistive technologies, and implementation of new accessibility features as technology advances. These are goals we are working toward, not yet fully realized.

Feedback and Assistance

How to Request Assistance

If you encounter any accessibility barriers while using our website or services, or if you need assistance in an alternative format, please contact us immediately. We are committed to providing prompt assistance and alternative access methods.

Types of Assistance Available

• Alternative formats for website content (large print, audio, etc.)
• Assistance navigating our website or completing forms
• Alternative communication methods for consultations
• Help accessing insurance company websites and resources
• Explanation of insurance documents in accessible formats
• Coordination with insurance companies for accessibility accommodations

Response Time

We are committed to responding to accessibility requests as promptly as we can and working to provide alternative access methods. For urgent insurance needs, please call us directly.

Technical Standards

WCAG 2.1

Our website aims to conform to the Web Content Accessibility Guidelines (WCAG) 2.1 Level AA standards. We have not yet completed formal testing or verification of conformance. These guidelines explain how to make web content more accessible to people with disabilities and are organized around four principles:

Known Accessibility Issues

We are committed to transparency about accessibility. Currently, we are aware of the following areas where we are working to improve accessibility:

• Some third-party embedded content may not be fully accessible
• Certain complex insurance comparison tools are being enhanced for better screen reader compatibility
• We are working to add more detailed audio descriptions for visual content

If you encounter any accessibility barriers not listed here, please let us know so we can address them promptly.

Contact Us for Accessibility Support

For accessibility assistance, alternative formats, or to report accessibility barriers, please contact us using any of the following methods:

Additional Accessibility Resources

For additional information about accessibility and disability rights, you may contact:

• U.S. Department of Justice ADA Information: 1-800-514-0301 (Voice) or 1-800-514-0383 (TTY)
• Florida Division of Vocational Rehabilitation: 1-800-451-4327
• Medicare Accessibility: 1-800-MEDICARE (1-800-633-4227), TTY: 1-877-486-2048
• HealthCare.gov Accessibility: 1-800-318-2596, TTY: 1-855-889-4325

Updates to This Statement

We will update this Accessibility Statement as we make improvements to our website and services. We will also update this statement to reflect changes in accessibility standards and regulations. Please check this page periodically for updates.