Barnes Health Solutions d/b/a Dee Knows Insurance · Effective Date: April 3, 2026 · Last Updated: April 2026
These Terms and Conditions constitute a legally binding agreement between you and Barnes Health Solutions d/b/a Dee Knows Insurance. By accessing our website, submitting your information, or engaging with our services in any way, you agree to be bound by these Terms. If you do not agree, please do not use our website or services.
By accessing or using deeknowsinsurance.com (the "Website"), submitting any information through our forms, responding to any of our communications, or engaging with our insurance consultation services, you ("User," "you," or "your") agree to be fully bound by these Terms and Conditions ("Terms"), our Privacy Policy (incorporated herein by reference), and all applicable federal, state, and local laws and regulations.
We reserve the right to modify these Terms at any time without prior notice. Your continued use of the Website or our services following any modification constitutes your acceptance of the revised Terms. The most current version of these Terms will always be available at deeknowsinsurance.com/terms-and-conditions.
Barnes Health Solutions d/b/a Dee Knows Insurance is a legally registered business entity operated by licensed insurance agent Deano Barnes. We operate as an independent insurance agent and broker and are licensed to solicit, negotiate, and sell health, dental, and vision insurance products in the following states:
We are licensed to conduct insurance business only in the states listed above. We do not solicit, offer, or sell insurance products in any state where we are not licensed. Individuals residing outside these states should not submit quote requests through our Website.
Our services are governed by applicable state insurance regulations in each state where we are licensed, including applicable state insurance codes, commissioner regulations, and licensing requirements. We are required to operate in compliance with each state's consumer protection and insurance practice standards.
Barnes Health Solutions d/b/a Dee Knows Insurance operates as an independent licensed insurance agent and broker. We represent multiple insurance carriers and present plan options from those carriers based on your individual needs and circumstances.
As an independent broker:
Barnes Health Solutions d/b/a Dee Knows Insurance is a private, independent business entity. We are NOT affiliated with, endorsed by, sponsored by, or connected to any federal, state, or local government agency, including but not limited to: the U.S. Department of Health and Human Services, the Centers for Medicare & Medicaid Services (CMS), the Federal Health Insurance Marketplace (HealthCare.gov), Medicare, Medicaid, or any state-based health insurance exchange.
Any representation or implication to the contrary is expressly disclaimed. Consumers seeking information about government-sponsored health insurance programs should visit official government websites directly.
The following SMS terms govern all text message communications sent by Barnes Health Solutions d/b/a Dee Knows Insurance.
The following is the exact consent language used on our opt-in forms, as required by CTIA guidelines and A2P 10DLC carrier requirements:
"I agree to receive text messages from Dee Knows Insurance. Message & data rates may apply. Reply STOP to opt out."
We operate an A2P (Application-to-Person) SMS messaging program registered under the 10DLC (10-Digit Long Code) framework. Messages sent under this program relate exclusively to insurance quote consultations, plan options, enrollment follow-up, and related service communications.
We send SMS messages only to individuals who have provided prior express written consent through:
Consent to receive SMS is never required as a condition of purchasing any product or service from us.
Message frequency varies. You may receive multiple messages per inquiry during active consultation periods. We do not send unsolicited bulk marketing text messages.
Standard message and data rates from your wireless carrier may apply to all SMS messages sent and received. We are not responsible for any charges assessed by your wireless carrier.
You may opt out of SMS communications at any time by replying STOP to any message. Upon receipt of a STOP reply, we will send one final opt-out confirmation message and will cease all SMS communications. You may re-opt in at any time by texting START or by submitting a new opt-in consent.
For assistance, reply HELP to any SMS message or contact us at [email protected] or 850-895-7027.
Our SMS program is supported on all major U.S. wireless carriers. Carriers are not liable for delayed or undelivered messages.
Your mobile phone number will not be sold, shared, or disclosed to any third party for independent marketing purposes. See our Privacy Policy for complete details.
By submitting your email address to us through our website form, a third-party lead source, or any other intake mechanism, you consent to receive email communications from Barnes Health Solutions d/b/a Dee Knows Insurance related to your insurance inquiry and our services.
Email communications are sent through our communications platform and comply with the CAN-SPAM Act of 2003. All commercial emails from us will:
Automated email sequences may be sent as part of our lead follow-up workflow. You may unsubscribe from email communications at any time by clicking the unsubscribe link in any email or by contacting us directly. Unsubscribing from email does not automatically unsubscribe you from SMS communications, and vice versa.
By providing your phone number to us — whether through our website, a third-party lead source, or otherwise — and providing prior express written consent, you authorize Barnes Health Solutions d/b/a Dee Knows Insurance and its authorized representatives to contact you at the number provided using:
This consent is provided in accordance with the Telephone Consumer Protection Act (TCPA), 47 U.S.C. § 227, and applicable FCC regulations. You may revoke this consent at any time by:
Consent to receive autodialed, pre-recorded, or artificial voice calls or text messages is not required as a condition of purchasing any insurance product or service. You have the absolute right to revoke consent at any time.
We maintain and honor the National Do Not Call Registry and applicable state do-not-call lists. If you are registered on the National DNC Registry and receive an unwanted call from us, please notify us immediately so we can investigate and remedy the situation.
We may receive your contact information through third-party lead generation companies, insurance marketing organizations (IMOs), field marketing organizations (FMOs), or affiliated marketing partners from whom we lawfully purchase or receive consumer lead data. By engaging with us following receipt of a lead, you acknowledge and agree that:
We conduct paid advertising on Meta platforms (Facebook and Instagram) under Meta's Special Ad Category: Financial Products & Services, which applies to health insurance advertisements. By using our website, you acknowledge and agree that:
You may review and manage your Meta ad preferences at facebook.com/adpreferences.
Barnes Health Solutions d/b/a Dee Knows Insurance is an independent insurance agent and broker and is not a HIPAA Covered Entity as defined under 45 CFR §160.103. We do not provide health care treatment, payment, or operations as a health plan or healthcare clearinghouse.
Notwithstanding the foregoing, we handle all health-related information shared with us in the course of our insurance consulting services with strict confidentiality, and we do not disclose such information beyond what is necessary to obtain insurance plan options and facilitate enrollment on your behalf. In circumstances where we may function as a Business Associate to a HIPAA Covered Entity (i.e., an insurance carrier), we comply with applicable Business Associate requirements.
All information provided on this Website and through our consultation services is for general informational purposes only and does not constitute:
All insurance products are subject to the applicable carrier's underwriting criteria, eligibility requirements, policy terms, conditions, exclusions, and limitations. Coverage availability, premium amounts, and plan features vary by carrier, plan, and state of residence. Deano Barnes communicates plan options but does not make coverage decisions. All coverage decisions rest solely with the applicable insurance carrier.
By using our Website and services, you agree to:
Providing false or misleading information in connection with an insurance application may constitute insurance fraud under applicable state law and may result in rescission of coverage, denial of claims, or criminal prosecution.
We may connect you with third-party insurance carriers, FMOs, IMOs, and service providers in connection with our services. We are not responsible for:
Your relationship with any insurance carrier is governed solely by the terms of the applicable insurance policy and the carrier's own policies and procedures.
All content on this Website, including but not limited to text, graphics, logos, images, design elements, and the overall look and feel, is the proprietary property of Barnes Health Solutions d/b/a Dee Knows Insurance or its licensors and is protected by applicable copyright, trademark, and intellectual property laws. You may not reproduce, distribute, modify, create derivative works from, publicly display, or otherwise exploit any content from this Website without our express prior written permission.
THIS WEBSITE AND ALL SERVICES ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, AND ANY WARRANTIES ARISING FROM COURSE OF DEALING OR USAGE OF TRADE.
We do not warrant that:
TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, BARNES HEALTH SOLUTIONS D/B/A DEE KNOWS INSURANCE, ITS OWNER, OFFICERS, AGENTS, AND REPRESENTATIVES SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES ARISING OUT OF OR IN CONNECTION WITH YOUR USE OF THE WEBSITE, OUR SERVICES, OR THESE TERMS, INCLUDING BUT NOT LIMITED TO:
IN NO EVENT SHALL OUR TOTAL LIABILITY TO YOU FOR ALL CLAIMS ARISING FROM THESE TERMS OR YOUR USE OF OUR SERVICES EXCEED THE GREATER OF: (A) THE TOTAL FEES PAID BY YOU TO US IN THE TWELVE (12) MONTHS PRECEDING THE CLAIM (WHICH IN MOST CASES IS ZERO, AS OUR SERVICES ARE FREE TO CONSUMERS), OR (B) ONE HUNDRED DOLLARS ($100.00).
Some jurisdictions do not allow the exclusion or limitation of certain warranties or liability, so some of the above limitations may not apply to you.
You agree to defend, indemnify, and hold harmless Barnes Health Solutions d/b/a Dee Knows Insurance, its owner, agents, and representatives from and against any and all claims, damages, losses, liabilities, costs, and expenses (including reasonable attorneys' fees) arising out of or in connection with: (a) your use of the Website or our services; (b) your violation of these Terms; (c) your provision of false, inaccurate, or misleading information; (d) your violation of any applicable law or regulation; or (e) any insurance fraud or misrepresentation in connection with an insurance application.
These Terms and any disputes arising hereunder shall be governed by and construed in accordance with the laws of the State of Florida, without regard to its conflict of law provisions, except where superseded by applicable federal law or the insurance regulations of the state in which a specific transaction occurs.
Any legal action or proceeding arising from these Terms shall be brought exclusively in the state or federal courts located in Pinellas County, Florida, and you hereby consent to the personal jurisdiction and venue of such courts.
For residents of states in which we are licensed, applicable state insurance regulations may provide additional or alternative dispute resolution rights, including the right to file complaints with your state's Department of Insurance. You are encouraged to contact your state insurance commissioner if you have concerns about our conduct as a licensed insurance agent.
State insurance department regulators for each licensed state. Consumers may file complaints directly with their state's insurance regulatory authority.
If any provision of these Terms is found by a court of competent jurisdiction to be invalid, illegal, or unenforceable, that provision shall be modified to the minimum extent necessary to make it enforceable, and the remaining provisions shall continue in full force and effect. These Terms, together with our Privacy Policy, constitute the entire agreement between you and Barnes Health Solutions d/b/a Dee Knows Insurance with respect to the subject matter hereof and supersede all prior agreements, understandings, and representations.
For questions about these Terms and Conditions, to report a concern, or to exercise any rights described herein:
These Terms and Conditions were prepared to address compliance obligations under the TCPA, CAN-SPAM Act, A2P 10DLC carrier requirements, HIPAA Privacy Rule principles, Meta Special Ad Category policies for Financial Products & Services, NAIC Model Insurance Privacy regulations, state insurance codes for all 18 licensed states, and applicable consumer protection laws. These Terms should be reviewed periodically as regulatory requirements evolve. Nothing herein constitutes legal advice, and the Company recommends periodic legal review by a licensed attorney familiar with insurance regulatory law.