1. Program Overview
MFE Health Solutions operates SMS and email messaging programs to help prospective and existing clients evaluate, enroll in, and manage health and life insurance coverage. Messages are sent only to individuals who have explicitly opted in through a form on mfehealthsolutions.com or who have an existing business relationship with MFE Health Solutions.
2. Express Written Consent (TCPA)
SMS consent is collected through a clear, separate opt-in checkbox on each contact and quote form. The disclosure adjacent to the checkbox identifies the sender, describes the type of messages, states the message frequency, and notes that message and data rates may apply. Consent is not a condition of purchase. We retain a record of the date, time, IP address, page URL, and exact language of the disclosure for each opt-in.
3. 10DLC Registration
All SMS sending numbers used by MFE Health Solutions are registered under the 10DLC (10-digit long code) framework with the appropriate brand and campaign registrations. Brand and campaign details are available on request to info@mfehealthsolutions.com.
4. Message Types
- Marketing: information about health and life insurance products, open-enrollment reminders, and promotional content.
- Transactional: appointment confirmations, reminders, reschedules, quote follow-ups, and account-related notifications.
- Customer care: responses to questions you have sent us.
5. Message Frequency
Typical frequency is 2–4 messages per month. Frequency may temporarily increase during Open Enrollment (typically Nov 1 – Jan 15) or in direct response to your inquiry or scheduled appointment.
6. Carrier Disclosure
No mobile information will be shared with third parties or affiliates for marketing or promotional purposes.
7. Opt-Out
You can opt out of SMS at any time by replying STOP, CANCEL, END, QUIT, UNSUBSCRIBE, or STOPALL to any message we send. You will receive a one-time confirmation that you have been unsubscribed and will receive no further messages from that program. There is no fee or penalty to opt out.
8. Help
For help, reply HELP or INFO to any message. You will receive an autoreply identifying MFE Health Solutions and providing our support email info@mfehealthsolutions.com.
9. Costs
Message and data rates may apply. Check with your mobile carrier for details.
10. Supported Carriers
Our SMS programs are supported on major U.S. carriers including AT&T, T-Mobile, Verizon, US Cellular, Boost Mobile, Cricket Wireless, Metro by T-Mobile, Google Fi, and most regional carriers. Carriers are not liable for delayed or undelivered messages.
11. Sample Messages
- Opt-in confirmation: "MFE Health Solutions: You're subscribed. Up to 4 msgs/mo. Reply HELP for help, STOP to cancel. Msg & data rates may apply."
- Marketing: "MFE: Open Enrollment ends 1/15. Reply YES to talk to your licensed agent. STOP to opt out."
- Appointment reminder: "MFE: Reminder — your call with your licensed agent is tomorrow at 2:00 PM CT. Reply R to reschedule."
- HELP reply: "MFE support: info@mfehealthsolutions.com or +1 (612) 965-2432. Reply STOP to unsubscribe."
- STOP reply: "You have been unsubscribed from MFE Health Solutions and will receive no further messages."
12. Email Program
- All recipients have opted in through a form on this site or have an existing business relationship with MFE Health Solutions.
- Every marketing email includes the sender's identity, a physical mailing address, and a clear one-click unsubscribe link, in compliance with the CAN-SPAM Act.
- Unsubscribe requests are honored within 10 business days; in practice, suppression is applied immediately and maintained permanently.
- We do not use purchased, rented, scraped, or appended email lists.
- Our sending domains are authenticated with SPF, DKIM, and DMARC, and we monitor deliverability and complaint rates continuously.
- To unsubscribe, click the link at the bottom of any email or write to info@mfehealthsolutions.com.
13. Privacy
For details on how we collect, use, and protect personal information, see our Privacy Policy.
14. Changes & Contact
We may update this Messaging Policy at any time. The "Last Updated" date reflects the most recent revision. Questions? Email info@mfehealthsolutions.com.